Analysis Of The Current State Of Digital Transformation Of Commercial Banks And Assessment Of Its Efficiency
DOI:
https://doi.org/10.57033/mijournals-2026-9-0286Keywords:
commercial banks, digital transformation, efficiency assessment, SFA model, operational efficiency, digital banking, fintech, bank performance, cost efficiency, national banking systemAbstract
The study examines the current state of digital transformation of commercial banks and the assessment of its efficiency. The problem is analyzed through the development of digital banking technologies, new efficiency assessment methods (SFA, DEA), and the impact of digitalization on operating costs, profitability, and risk management. The article presents digital transformation as a key condition for increasing bank efficiency, strengthening competitiveness, and ensuring the sustainable development of the banking system. The views of Uzbek, Russian, and international researchers are reviewed in connection with practical experience and modern approaches to measuring the effectiveness of digital initiatives in commercial banks.Downloads
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