Innovation science and technologiy Volume 2 Issue 5 (2026)

IMPROVING THE DIGITAL TRANSFORMATION OF COMMERCIAL BANK BUSINESS MODELS: THEORY AND PRACTICE

O.O. Khudayarov

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Abstract

This article examines the issues of digital transformation of business models in commercial banks ofUzbekistan. The evolutionary stages of global banking practice from Bank 1.0 to Bank 4.0, the theoretical foundations ofthe business model concept, the current state of Uzbekistan’s banking system, and the key barriers to transformation areanalyzed. Based on the research findings, scientific proposals and practical recommendations have been developed forimproving the business models of commercial banks

commercial bank, business model, digital transformation, Bank 4.0, fintech, open banking, platform economy, Uzbekistan banking system.

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Cite

APA 7 
O.O. Khudayarov (2026). IMPROVING THE DIGITAL TRANSFORMATION OF COMMERCIAL BANK BUSINESS MODELS: THEORY AND PRACTICE. Innovation science and technologiy, 2(5).
GOST R 7.0.5 
O.O. Khudayarov IMPROVING THE DIGITAL TRANSFORMATION OF COMMERCIAL BANK BUSINESS MODELS: THEORY AND PRACTICE // Innovation science and technologiy. 2026. Т. 2. № 5.
BibTeX 
@article{khudayarov2026,
  author  = {O.O. Khudayarov},
  title   = {IMPROVING THE DIGITAL TRANSFORMATION OF COMMERCIAL BANK BUSINESS MODELS: THEORY AND PRACTICE},
  journal = {Innovation science and technologiy},
  year    = {2026},
  volume  = {2},
  number  = {5}
}
RIS 
TY  - JOUR
AU  - O.O. Khudayarov
TI  - IMPROVING THE DIGITAL TRANSFORMATION OF COMMERCIAL BANK BUSINESS MODELS: THEORY AND PRACTICE
JO  - Innovation science and technologiy
PY  - 2026
VL  - 2
IS  - 5
ER  -