REMOTE BANKING ADOPTION IN UZBEKISTAN: GROWTH ACROSS BANKS

Authors

  • Ayubov Rakhmatullo Ravshanbek ugli Leading Speacialist, Institute of Macroeconomics and Regional Studies under the Cabinet of Ministers of Uzbekistan, r.ayubov@imrs.uz, +998902222388 Author

Keywords:

The national diffusion pattern is documented and cross-bank heterogeneity is quantified using growth indicators and a simple clustering approach that segments banks into “leaders” and “followers,” providing practical insights for digital banking strategy and policy.

Abstract

Remote banking has rapidly become a core channel for delivering financial services by improving convenience and reducing transaction costs for customers. Using bank-level annual data from Uzbekistan for 2018–2025, this study describes how remote banking adoption expanded from 7.96 million users in 2018 to 74.18 million in 2025, while showing strong differences across banks in starting scale, growth speed, and timing of acceleration. 

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Published

2026-02-23

Issue

Vol. 4 No. 40 (2026): INTERNATIONAL SCIENTIFIC RESEARCH CONFERENCE

Section

Articles