Ways to Implement Innovative Technologies in the Development of Digital Banking Services (OpenAlex (recherche mondiale))

Summary

• As of January 1, 2025, the total number of users of remote banking service systems in Uzbekistan reached 52,917,166, comprising 51,455,447 individuals and 1,461,719 legal entities and individual entrepreneurs.p.1
• By October 1, 2025, total remote banking service users increased to 74,178,175, including 72,493,744 individuals and 1,684,431 legal entities and individual entrepreneurs.p.1
• Calculations show that user growth for remote banking service systems during the first nine months of 2025 reached approximately 40.2 percent.p.1
• As of January 1, 2025, Face ID technology was used by 28 commercial banks and 15 payment organizations in Uzbekistan.p.1
• The number of customers undergoing digital identification through mobile applications reached 12.2 million as of January 1, 2025, representing an increase of 5.4 million over the previous year.p.1
• Priority measures for expanding digital banking include developing low-data traffic applications for areas with poor internet connection and simplifying user interfaces.p.2

Key insights

1. Remote banking service system users in Uzbekistan grew by approximately 40.2 percent during the first nine months of 2025.p.1
2. Individual users accounted for 72,493,744 of the 74,178,175 total remote banking service users by October 1, 2025.p.1
3. Biometric Face ID technology adoption covered 28 commercial banks and 15 payment organizations at the start of 2025.p.1
4. Digital identification through mobile applications grew by 5.4 million users compared to the prior year.p.1
5. System integration between banks and fintechs through standardized application programming interfaces requires explicit customer consent and strict data access permissions.p.1
6. Improving digital literacy and developing applications with low data consumption are critical to extending service reach to areas with poor internet connectivity.p.2