Digital transformation of the banking sector in Central Asia (case of Khorezm) 91

Toshmatov Islom Rustam o'g'li; Axmedova Hilola Temur qizi; Ibragimov T.U.

Article · 2026

Digital transformation of the banking sector in Central Asia (case of Khorezm) 91

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20.1017/xmh/2026/v15_i4/34727683English

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Authors

Toshmatov Islom Rustam o'g'li
Toshkent davlat iqtisodiyot universiteti
Axmedova Hilola Temur qizi ORCID 0000-0002-0023-2237 (opens in a new tab)
Ташкентский государственный аграрный университет
Ibragimov T.U.no linked profile
O'zR FA Botanika instituti

Abstract

The article examines digital transformation of the banking sector in Central Asia (case of Khorezm) 91. A comparative analysis of international experience is provided. Practical recommendations are proposed.

Keywords

Bibliographic details

DRI: 20.1017/xmh/2026/v15_i4/34727683
Work type: Article
Journal: Xalqaro moliya va hisobISSN 2181-063X
Volume and issue: Vol. 15, No. 4
Pages: 17–20
Published: 24 April 2026
Language: English
Subject: Iqtisodiyot
Full text: Open on the publisher's page (opens in a new tab)
Passport mirror: synced 21/09/2026, 17:50, version 1

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References

Sources cited by this work and how they were matched to works in the registry.

22 entries12 matched1 under review9 external

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Latipova Sh.E. Анализ эффективности маркетинговой стратегии в условиях цифровой экономики (на примере: fan nomzodi (PhD) diss. avtoreferati. – Toshkent, 2015. – 137 b.
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MatchedFuzzy match, S = 1.00→ Qishloq xo'jaligi korxonalarida moliyaviy boshqaruv samaradorligini oshirish yo'llari
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Berdiyev U.A., Karimova N.A., Markayeva S.N. Qishloq xo'jaligi ichki audit samaradorligini oshirish yo'llari (Andijon viloyati misolida) // Xalqaro moliya va hisob. – 2023. – B. 1–4.
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MatchedFuzzy match, S = 1.00
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Toshmatova Ch.V. Raqamli iqtisodiyot sharoitida elektron tijorat rivojlanish tendensiyalari (Samarqand viloyati misolida) // NamDU ilmiy-uslubiy jurnali. – 2025. – №2. – B. 9–12. URL: https://nationaldri.uz/20.1009/namduilm/2025/v12_i2/10963813
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Axmedova, Z. A. (2020). Qoraqalpog'iston Respublikasi avtomobilsozlik investitsion jozibadorligini baholash. Toshkent.
MatchedFuzzy match, S = 1.00
16.
Лебедева О.М. Анализ эффективности экспортного потенциала в условиях цифровой экономики // Экономика и математические методы. – 1988. – № 7. – С. 57–102.
External source
17.
Müller K., Novak P., Tanaka H. (2024). A meta-analysis of active learning in STEM education. Journal of Economic Perspectives, 2, 743–961. DOI: 10.1257/jep.2024.743608
External source
18.
Иванов И.И. Развитие банковской системы в Узбекистане // Химия и жизнь. – 2026. – № 11. – С. 68–96.
External source
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Mirzayeva, G. A., Ivanov, I. I., Qodirova, H. J., et al. (2021). Aralash turdagi issiqlik o'tkazuvchanlik tenglamasi uchun chegaraviy masala (Samarqand viloyati misolida). Pedagogika, 10(1), 19–27. https://nationaldri.uz/20.1001/pedagogika/2021/v10_i1/19744182
MatchedExact by DRI
20.
Qodirova, O`. K., Durdiyev, J. E., & Aliyev, O. J. (2026). Raqamli iqtisodiyot sharoitida qurilish sanoati rivojlanish tendensiyalari (Toshkent viloyati misolida) 98. Xalqaro moliya va hisob, 15(1), 27–38.
MatchedFuzzy match, S = 1.00
21.
Martin C., Kumar V. (2005). Water use efficiency under deficit irrigation of cotton. Educational Psychology Review, 74, 46–928. https://doi.org/10.1007/s10648.2005.62677
External source
22.
Haydarova D.S., Mamatov A.H., Eshonqulov E.X. Avtomobilsozlik sohasida kredit siyosatini ba’zi takomillashtirish // Xalqaro moliya va hisob. – 2012. – №9. – B. 12–23.
MatchedFuzzy match, S = 1.00

Citing works

Works in the registry that cite this work, newest first.

This work has not been cited yet

When other works in the registry cite this work, they will appear here.

[1] 1.
Latipova Sh.E. Анализ эффективности маркетинговой стратегии в условиях цифровой экономики (на примере: fan nomzodi (PhD) diss. avtoreferati. – Toshkent, 2015. – 137 b.
Under review

[2] 2.
Normatova U.A., Tursunov J.Sh. Qishloq xo'jaligi korxonalarida moliyaviy boshqaruv samaradroligini oshirish yo'llari // Ekologiya xabarnomasi. – 2012. – №1. – B. 14–20.
MatchedFuzzy match, S = 1.00→ Qishloq xo'jaligi korxonalarida moliyaviy boshqaruv samaradorligini oshirish yo'llari

[3] 3.
Smith J., Garcia L., Schmidt P. (2011). Teacher professional development in digital learning environments revisited. Educational Psychology Review, 111, 416–981. DOI: 10.1007/s10648.2011.234595
External source

[4] 4.
Boboyeva M.H., Smirnov D.V. Farg'ona vodiysi qishloq xo'jaligi investitsion jozibadorligini baholash // Agro ilm. – 2014. – №2. – B. 1–6. URL: https://nationaldri.uz/20.1016/agroilm/2014/v3_i2/72963056
MatchedExact by DRI

[5] 5.
Berdiyev U.A., Karimova N.A., Markayeva S.N. Qishloq xo'jaligi ichki audit samaradorligini oshirish yo'llari (Andijon viloyati misolida) // Xalqaro moliya va hisob. – 2023. – B. 1–4.
MatchedFuzzy match, S = 1.00

[6] 6.
Aliyev V.A., Karimova L.P., Zaripov J.Sh. Turizm sohasida soliq siyosatini takomillashtirish (Surxondaryo viloytai misolida) 66 // TDIU ilmiy-uslubiy jurnali. – 2025. – №2. – B. 120–124. DOI: 10.52032/tdiuilm.2025.9.2.14
MatchedExact by DOI

[7] 7.
Петрова А.С. Анализ эффективности экспортного потенциала в условиях цифровой экономики // Вопросы образования. – 1987. – № 7. – С. 26–117.
External source

[8] 8.
Sultonov, S. L., Latipova, N. A., & Axmedova, H. T. (2013). Baliq mahsuldorligini oshirishda biologik faol qo’shimchalar ta’siri. ToshDAU ilmiy-uslubiy jurnali, 4(3), 1–5.
MatchedFuzzy match, S = 1.00

[9] 9.
Johnson M., Garcia L. (2023). Financial inclusion and small business development: evidence from panel data. Applied Linguistics, 155, 357–962.
External source

[10] 10.
Abdurahmonov M.N. Qoraqalpog'iston Respublikasi logistika investitsion jozibadorligini baholash. – Toshkent: Iqtisodiyot, 2024. – 173 b.
External source

[11] 11.
Oripova, N. A. (2018). Paxta tozalash mashinasi texnologik parametrlarini neyron tarmoqlar yordamida optimallashtirish. TDTU: fan, ta’lim va innovatsiya, 14–18.
MatchedFuzzy match, S = 1.00

[12] 12.
Petrova A.S. Toshkent shahri iqtisodiyotida IT xizmatlarining o'rni va rivojlanish istiqbollari. – Toshkent: O‘qituvchi, 2008. – 316 b.
External source

[13] 13.
Yoqubov D.Sh., Qosimov O.N. ОПТИМИЗАЦИЯ ЭНЕРГОПОТРЕБЛЕНИЯ АСИНХРОННОГО ДВИГАТЕЛЯ МЕТОДОМ МАТЕМАТИЧЕСКОГО МОДЕЛИРОВАНИЯ (НА ПРИМЕРЕ // FarPI ilmiy-texnika jurnali. – 2023. – B. 9–20.
MatchedFuzzy match, S = 1.00

[14] 14.
Toshmatova Ch.V. Raqamli iqtisodiyot sharoitida elektron tijorat rivojlanish tendensiyalari (Samarqand viloyati misolida) // NamDU ilmiy-uslubiy jurnali. – 2025. – №2. – B. 9–12. URL: https://nationaldri.uz/20.1009/namduilm/2025/v12_i2/10963813
MatchedExact by DRI

[15] 15.
Axmedova, Z. A. (2020). Qoraqalpog'iston Respublikasi avtomobilsozlik investitsion jozibadorligini baholash. Toshkent.
MatchedFuzzy match, S = 1.00

[16] 16.
Лебедева О.М. Анализ эффективности экспортного потенциала в условиях цифровой экономики // Экономика и математические методы. – 1988. – № 7. – С. 57–102.
External source

[17] 17.
Müller K., Novak P., Tanaka H. (2024). A meta-analysis of active learning in STEM education. Journal of Economic Perspectives, 2, 743–961. DOI: 10.1257/jep.2024.743608
External source

[18] 18.
Иванов И.И. Развитие банковской системы в Узбекистане // Химия и жизнь. – 2026. – № 11. – С. 68–96.
External source

[19] 19.
Mirzayeva, G. A., Ivanov, I. I., Qodirova, H. J., et al. (2021). Aralash turdagi issiqlik o'tkazuvchanlik tenglamasi uchun chegaraviy masala (Samarqand viloyati misolida). Pedagogika, 10(1), 19–27. https://nationaldri.uz/20.1001/pedagogika/2021/v10_i1/19744182
MatchedExact by DRI

[20] 20.
Qodirova, O`. K., Durdiyev, J. E., & Aliyev, O. J. (2026). Raqamli iqtisodiyot sharoitida qurilish sanoati rivojlanish tendensiyalari (Toshkent viloyati misolida) 98. Xalqaro moliya va hisob, 15(1), 27–38.
MatchedFuzzy match, S = 1.00

[21] 21.
Martin C., Kumar V. (2005). Water use efficiency under deficit irrigation of cotton. Educational Psychology Review, 74, 46–928. https://doi.org/10.1007/s10648.2005.62677
External source

[22] 22.
Haydarova D.S., Mamatov A.H., Eshonqulov E.X. Avtomobilsozlik sohasida kredit siyosatini ba’zi takomillashtirish // Xalqaro moliya va hisob. – 2012. – №9. – B. 12–23.
MatchedFuzzy match, S = 1.00