Journal of Management and Economics
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TYPE
Original Research
PAGE NO.
33-35
OPEN ACCESS
SUBMITED
22 April 2025
ACCEPTED
18 May 2025
PUBLISHED
20 June 2025
VOLUME
Vol.05 Issue06 2025
COPYRIGHT
© 2025 Original content from this work may be used under the terms
of the creative commons attributes 4.0 License.
Digital Banking Systems
Berdiyeva Aziza Qalandar kizi
Karshi State Technical University, 1st year student of the Faculty of
Economics and Management, Banking specialization, Uzbekistan
Abstract:
This article will tell you about the author's
various researches on the further development of the
Interbank Settlement System, highlighting the large-
scale reforms being implemented, and one of the most
important factors for the further development of the
rapidly developing economy today - the correct and
accurate organization of money circulation.
Keywords:
Commercial banks, accounts, digital reform,
goods.
Introduction:
Modern in the economy digital finance
system development and innovative of technologies
fast integration, especially commercial in banks cash
penniless of operations importance noticeable at the
level Cash penniless operations these are banks and
their customers between done increaseable financial
are operations, and this operations money his/her
behavior simplification, costs reduce, and financial
indicators transparency provide for the purpose positive
impact showing.
Today on the day fast photos with developing economy
further development the most important from factors
one - money rotation right and clear organization from
doing consists of, because market economy commodity-
money of relations status and development with closely
is related to. Enterprise and organizations their own
farm activities in the process always each other with in
touch They will be. between goods exchange services
show process continuous accordingly continue will
reach.
This goods exchange and service show processes money
and paid calculations using done increased. Commodity
exchange rate himself/herself and money of the cycle
material basis become is considered, its based on other
paid relationship to the div is coming.
In economics to the surface coming paid in relationships
money from the forms use features and payment to the
methods according to money rotation cash penniless to
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Journal of Management and Economics
turn and cash paid to turn divided into. Retail trade and
to the population paid service for payments, utilities
and household services for payments, work right and
to that equalized payments, insurance to organizations
contributions, population by property and other taxes,
population by taken the loan and his/her percentage
cash in money return such as payments and other of
payments payment cash paid to turn enters.
Farm driver subjects between goods and services, as
well as financial obligations according to all
calculations only cashless in appearance done is
increased. Calculations cashless appearance republic in
practice cash penniless calculations that is maintained
and his/her account management and currently
software supply using automated order done is being
increased.
Remote bank from services use of the scope exceed
going, own In turn, the bank to the cards was demand
increasing to go service In particular, in 2023 into
circulation issued bank cards number 46.2 million per
piece reach, by 2022 compared to 35 percent grew.
Population republic and foreign payment systems in
the infrastructure one card through calculations done
increase opportunity giver cobadging bank cards
number by 2022 1.7 times more than increased by 3.1
million per piece reached 429 thousand in 2023
payment terminals through acceptance made
payments volume by 2022 1.4 times more than more
than 254.7 trillion soum organization reached and
In Uzbekistan cash penniless calculations done
increase order Central bank defines and this order
execution according to control take goes, because
Uzbekistan Republic Central bank about in law Central
bank main from the duties one as “Uzbekistan
In the
Republic of calculations effective system organization
to grow and "to provide " task shown. In practice
central bank by by designating given order current to
be and in practice right application whole republic on
the scale of calculations continuity provide opportunity
creates.
The last 15-20 years inside many countries, mainly
market economy developed countries in the economy
following situations observation possible:
First, the only representation accounts through bank
transfers number and being held of funds size
increasing progress as a result payment system
turnover incomparable at the level growth. This and
the first all in turn in the world financial market of
activity to grow and of payments to the acceleration
help gave.
Secondly, the only representation accounts through
money of funds one from the place second to the place
fast the passage provider technique and technology in
the system big of successes caught Payment in the
system new of technologies creation and their to
practice implementation to be of payments one how
many per minute one from the area second to the area
passing to give for conditions created.
This and now payment system market economy in
development role incomparable that shows.General as
in other words , payment system economy financial
infrastructure vital important element , economy to the
effectiveness impact provider factor become is
considered . This with together money and credit policy
through the economy effective to manage provider
necessary tool become is considered.
Cash penniless calculation system improvement on the
surface suggestions.
1.
Bank of services digitization strengthen.
Digital services current to grow banks for customers
with connections reinforcement and new services show
opportunity Platforms through customers with
communication to do opportunity to give, the bank
competitiveness increases. Next in years banks also
digital services further expansion for the purpose many
initiatives on the road put it.
2.
Electronic payment systems development
Internet and mobile payment systems through of
operations intense development, all of the country
economic development positive impact shows.
3.
Cybersecurity measures reinforcement
Cybersecurity today's on the day bank system important
and current from issues one is, financial transactions
safety in providing main factor is considered. One how
many year during cyberattacks through banks through
being held to operations impact transfer it is possible,
this and finance system reliability reduces.
4.
Interbank calculation system improvement
Commercial banks between calculations automation
and digitization, not only of operations speed, maybe of
operations efficiency also increases. If systems
integration to do according to work done increase
necessary if, banks own resources again work, new tools
current to grow and security in strengthening significant
steps their putting necessary.
CONCLUSION
Conclusion in place record to grow yes, cash penniless
operations modern bank system main structural from
parts one is considered. Their development, banking of
services efficiency increase, financial individuals for
comfort provide and of the economy transparency in
increasing important importance has.
Cash penniless of calculations improvement and
development as a result in banks calculations
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Journal of Management and Economics
organization to grow efficiency further increase,
operational expenses to decrease and money funds of
the cycle to accelerate is achieved. In general when you
get it, work issued Regulation in our republic cash
penniless calculations order determinant legal basis
become service does.
Settlement system improvement, digital platforms
expansion and security measures reinforcement
through banks not only own customers for
convenience creates, maybe whole of the economy
transparency provides.
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