Innovation science and technologiy Volume 4 Issue 9 (2026) · pp. 20-25
THE ROLE OF REMOTE BANKING SERVICES IN ENHANCING FINANCIAL INCLUSION IN UZBEKISTAN
Sharipov, Tohir
Abstract
The article analyzes the development trends of remote banking services in Uzbekistan and their role in enhancingfinancial inclusion. Changes in mobile banking services, bank cards, digital transactions, and payment infrastructureduring 2021–2025 are assessed, and the importance of remote channels in expanding access to banking services isexamined. In addition, the development of remote banking services is analyzed in relation to key indicators such asaccess to financial services, the level of their actual use, and service quality. The study develops scientific proposals andpractical recommendations aimed at strengthening the contribution of remote banking services to improving financialinclusion.
financial inclusion, remote banking services, digital banking services, mobile banking, financial services, payment infrastructure, financial service usage
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