Innovation science and technologiy Volume 2 Issue 4 (2026)
PROSPECTS FOR THE DEVELOPMENT OF ASSET MANAGEMENT MECHANISMS IN THE NATIONAL BANK OF THE REPUBLIC OF UZBEKISTAN UNDER THE CONDITIONS OF THE DIGITAL ECONOMY
Tuxtamisheva, Gulnora
Abstract
This article examines the prospects for improving asset management mechanisms in the National Bank of theRepublic of Uzbekistan under the conditions of the digital economy. The study analyzes the impact of digital technologies,remote banking services, automated risk assessment systems, and digital financial platforms on the efficiency of bankasset management. Particular attention is paid to the structure and quality of bank assets, liquidity, profitability, customerfunds, and the expansion of remote banking services. The research shows that the National Bank has strengthened itsfinancial position through the growth of assets, customer funds, cash and cash equivalents, and net profit. At the sametime, the study identifies the need to improve digital retail banking services, diversify assets, strengthen risk management,and introduce artificial intelligence technologies in banking operations. The article concludes that further development ofasset management mechanisms should be closely connected with digital transformation, technological modernization,and the wider use of innovative financial tools
digital economy, bank assets, asset management, National Bank of Uzbekistan, liquidity, profitability, remote banking services, digital banking, risk management, artificial intelligence
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