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Abstract
Using commercial banks as the case, the paper substantiates mechanisms for raising management efficiency through digital transformation. In 2021-2024 mobile transaction value per service outlet rose from UZS 4.9 billion to UZS 28.1 billion (5.8 times), yet the number of outlets grew by 18.7% and the cost-to-income ratio worsened from 33% to 36%. Parallel expansion of digital and physical channels limits management efficiency. Mechanisms of strategic management, data-driven decisions, process automation, organizational redesign and risk management, together with a KPI system, are proposed.
References
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