MODERN APPROACHES TO DEPOSIT TURNOVER AND OPERATIONS IN COMMERCIAL BANKS
DOI:
https://doi.org/10.5281/zenodo.17443752Keywords:
Deposit turnover, commercial banks, Uzbekistan, fnancial innovation, deposit mobilization, fntech, interest rates, digital banking, banking operations, fnancial inclusion.Abstract
This article explores the evolving approaches to deposit turnover and operational strategies in commercial banksof Uzbekistan in the context of fnancial liberalization and digital transformation. The study focuses on the integration
of innovative banking technologies, regulatory adjustments, and customer behavior shifts that collectively influence
deposit mobilization and management efciency. By analyzing statistical trends from 2018 to 2024 and evaluating the
performance indicators of key commercial banks, the paper identifes the primary factors driving deposit growth, including
fntech adoption, interest rate reforms, and enhanced fnancial inclusion efforts. The research concludes with practical
policy suggestions for improving deposit operations while safeguarding fnancial stability in Uzbekistan’s commercial
banking sector.
References
Central Bank of Uzbekistan. (2023). Quarterly Monetary and Financial Stability Reports. Tashkent.
Diamond, D. W., & Dybvig, P. H. (1983). “Bank Runs, Deposit Insurance, and Liquidity.” Journal of Political Economy,
(3), 401–419.
Mishkin, F. S. (2021). The Economics of Money, Banking, and Financial Markets (12th ed.). Pearson.
Greenbaum, S. I., Thakor, A. V. (2019). Contemporary Financial Intermediation (4th ed.). Academic Press.
Rakhmatov, A. (2020). “O‘zbekistonda omonatlarni shakllantirish mexanizmlari.” TDIU Ilmiy Nashri, 4(1), 45–52.
Salimova, D. (2022). “Tijorat banklarida depozit operatsiyalari va mijoz segmentatsiyasi.” Iqtisodiy Tadqiqotlar Jurnali,
(2), 67–75.
Barajas, A., Beck, T., Dabla-Norris, E. (2019). “Mobile Banking and Deposit Growth in Emerging Economies.” IMF
Working Paper WP/19/146.
World Bank. (2023). Global Financial Development Report: Financial Inclusion 2.0. Washington, DC.
McKinsey & Company. (2023). The Future of Deposits: Data-Driven Banking in Emerging Markets.
Deloitte. (2021). Digital Banking Maturity Report: Europe and Central Asia Edition.
Asian Development Bank. (2022). Financial Sector Reform in Uzbekistan: Pathways and Risks. Manila.
Karimov, M., & Tursunova, Z. (2021). “The Impact of Digital Banking on Customer Deposit Behavior in Uzbekistan.”
Banking and Finance Review, 7(3), 19–31.
Kaspersky Lab. (2024). Cybersecurity in Central Asia: Threat Trends and Banking Sector Implications.
IMF. (2023). Republic of Uzbekistan – Country Report No. 23/118. International Monetary Fund.
Accenture. (2022). Customer Experience in Banking: The New Competitive Edge. Global Banking Practice.
PwC. (2023). Digital Transformation in the Banking Sector: Uzbekistan Outlook.
Allen, F., & Gale, D. (2004). Financial Intermediaries and Markets. Oxford University Press.
Ruzikulov, S. (2021). “Deposit Insurance and Financial Consumer Protection in Uzbekistan.” Legal Research Journal,
(1), 22–30.
Abdullaev Munis Kurbonovich, & Kungratov Ilmurod Kuzibay ugli. (2025). THE IMPORTANCE OF DATA SCIENCE IN THE DIGITAL TRANSFORMATION OF THE UZBEKISTAN ECONOMY: EMPIRICAL ANALYSIS AND SCIENTIFIC APPROACHES. Economics and Innovative Technologies, 13(1), 83–90. https://doi.org/10.55439/EIT/vol13_iss1/645
Ministry of Digital Technologies of Uzbekistan. (2024). Annual Report on Digital Banking Access and Infrastructure.
World Bank. (2021). Global Findex Database: Uzbekistan Country Snapshot.
