Яшил иқтисодиёт ва тараққиёт Ҷилди 4 № 8 (2026) · Саҳифаҳои 69-75
DEVELOPMENT MECHANISMS OF EMBEDDED FINANCE SERVICES IN COMMERCIAL BANKS OF UZBEKISTAN BASED ON OPEN BANKING
Khurramova, Fotima
Аннотатсия
The rapid digital transformation of the banking sector has accelerated the development ofinnovative financial service models. In this context, Open Banking and Embedded Finance have become keyinstruments for improving the efficiency, accessibility, and competitiveness of commercial banks. The study aimsto assess the development prospects of Embedded Finance services in the commercial banks of Uzbekistanbased on Open Banking principles and to formulate practical recommendations for their implementation.The theoretical foundations of these concepts are examined, international experience is analyzed, and theopportunities and challenges associated with integrating innovative financial solutions into Uzbekistan’sbanking sector are evaluated. Comparative and systematic analysis methods are employed to identify effectiveapproaches to digital banking development. Particular attention is given to strengthening cooperation amongcommercial banks, fintech companies, and digital platforms in order to develop customer-oriented financialecosystems and expand the range of modern banking services
Open Banking, Embedded Finance, fintech ecosystem, digital transformation, commercial banks, open APIs, Banking-as-a-Service (BaaS), digital financial services, financial innovation, banking ecosystem
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