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Analysis of Factors Influencing The Provision of Remote Services by Banks
Corresponding Author(s) : Xudayberganova Zarofat Zokhidovna
American Journal of Economics and Business Management,
Vol. 8 No. 3 (2025): March
Abstract
In this study, theoretical foundations, current challenges and international best practice regarding factors that influence the provision of remote banking services is examined. There is a gap in the understanding of the economic mechanisms that ought to be improved to promote banking in commercial banks from a remote perspective. The research utilizes an econometric analysis to identify internal as well as external determinants which have an influence on service provision. This reveals close to a 20 percent increase wherein over 10.4 million users are using bank accounts remotely. Nevertheless, there are regulatory gaps, technological limitations and financial literacy disparities that impede development. The results further suggest that policy interventions, better digital infrastructure and customer education are important to enhancing service quality. These insights will serve to help the financial inclusion and customer satisfaction continue its digital transformation in the industry.
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- P. of the R. of Uzbekistan, Address to Parliament in 2019 on the Most Important Priorities for the Development of Our Country. 2019.
- Sh. Z. Abdullaeva и Z. Z. Khudoyberganova, Bank Credit and Services. Tashkent: IQTISOD-MOLIYA, 2021.
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- C. B. of the R. of Uzbekistan, «Regulation on the Procedure for Remote Services to Bank Accounts», вып. 2155. 19 ноябрь 2010 г.
- Z. Mamadiyarov, «Risk management in the remote provision of banking services in the conditions of digital transformation of banks», в ACM International Conference Proceeding Series, 2021. [Онлайн]. Доступно на: https://www.scopus.com/inward/record.uri?eid=2-s2.0-85128648746&doi=10.1145%2f3508072.3508119&partnerID=40&md5=aa0e06dab52fee9b34a83ed5830783ed
- T. Zhou, S. Zhang, и B. Ji, «Exploring the effect of online banking service quality on users’ continuance usage», представлено на 2010 2nd International Conference on E-Business and Information System Security, EBISS2010, 2010, сс. 198–201. doi: 10.1109/EBISS.2010.5473471.
- Kh. A. Khudayarova, «The Market of Retail Banking Services in Uzbekistan and its Prospects», Int. J. Sci. Technol. Res., 2019, [Онлайн]. Доступно на: https://www.scopus.com/inward/record.uri?eid=2-s2.0-85077322871&partnerID=40&md5=47b4d8cc11f917c76c9147456def2b88
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References
P. of the R. of Uzbekistan, Address to Parliament in 2019 on the Most Important Priorities for the Development of Our Country. 2019.
Sh. Z. Abdullaeva и Z. Z. Khudoyberganova, Bank Credit and Services. Tashkent: IQTISOD-MOLIYA, 2021.
Forbes, «Based on information from Forbes». 2021 г. [Онлайн]. Доступно на: www.forbes.com
K. C. Sahu и J. Kavita, «A Nonparametric Approach to the Prioritization of Customers’ Online Service Adoption Dimensions in Indian Banks», представлено на Advances in Intelligent Systems and Computing, 2020, сс. 205–221. doi: 10.1007/978-981-15-1097-7_18.
L. Haabazoka, K. K. Nyikosa, и E. Mwanaumo, «A Study of Internal Factors Affecting Commercial Banks’ Provision of Bank Services in the New Digital Economy for Developing Countries: A Case Study ZANACO Bank of Zambia», представлено на Lecture Notes in Networks and Systems, 2021, сс. 1091–1115. doi: 10.1007/978-3-030-69415-9_120.
Z. Mamadiyarov, A. Sulaymanov, и A. Askarov, «Impact of COVID-19 pandemic on accelerating the digitization and transformation of banks», в ACM International Conference Proceeding Series, 2021. [Онлайн]. Доступно на: https://www.scopus.com/inward/record.uri?eid=2-s2.0-85128682847&doi=10.1145%2f3508072.3508211&partnerID=40&md5=0d60cabff182174152804bad218a4942
G. R. G. Clarke, R. Cull, и M. Fuchs, «Bank Privatization in Sub-Saharan Africa: The Case of Uganda Commercial Bank», World Dev., т. 37, вып. 9, сс. 1506–1521, 2009, doi: 10.1016/j.worlddev.2009.01.007.
A. T. Absalomov, O. O. Xudoyorov, и S. U. Kholdorov, «Important aspects related to foreign exchange operations of commercial banks», ACM Digit. Libr., 2021, [Онлайн]. Доступно на: https://dl.acm.org/doi/fullHtml/10.1145/3508072.3508208
«Etude des déterminants des usages d’Internet dans les entreprises tunisiennes: Cas des services bancaires en ligne», представлено на 16th International Conference of the Association Information and Management 2011, AIM 2011, 2011. [Онлайн]. Доступно на: https://www.scopus.com/inward/record.uri?eid=2-s2.0-84870625145&partnerID=40&md5=2a5f3cc5f6688967402b2ac4737bb0f2
O. Khudoyorov и N. Ernazarov, «Operating banks’ operations with foreign options and futures of foreign banks: Foreign experiences and their features», J. Crit. Rev., 2020, [Онлайн]. Доступно на: https://www.scopus.com/inward/record.uri?eid=2-s2.0-85083318310&doi=10.31838%2fjcr.07.05.93&partnerID=40&md5=f8599690de04b8394a6594c24a44dd5b
C. B. of the R. of Uzbekistan, «Regulation on the Procedure for Remote Services to Bank Accounts», вып. 2155. 19 ноябрь 2010 г.
Z. Mamadiyarov, «Risk management in the remote provision of banking services in the conditions of digital transformation of banks», в ACM International Conference Proceeding Series, 2021. [Онлайн]. Доступно на: https://www.scopus.com/inward/record.uri?eid=2-s2.0-85128648746&doi=10.1145%2f3508072.3508119&partnerID=40&md5=aa0e06dab52fee9b34a83ed5830783ed
T. Zhou, S. Zhang, и B. Ji, «Exploring the effect of online banking service quality on users’ continuance usage», представлено на 2010 2nd International Conference on E-Business and Information System Security, EBISS2010, 2010, сс. 198–201. doi: 10.1109/EBISS.2010.5473471.
Kh. A. Khudayarova, «The Market of Retail Banking Services in Uzbekistan and its Prospects», Int. J. Sci. Technol. Res., 2019, [Онлайн]. Доступно на: https://www.scopus.com/inward/record.uri?eid=2-s2.0-85077322871&partnerID=40&md5=47b4d8cc11f917c76c9147456def2b88
E. Masoud и H. AbuTaqa, «Factors affecting customers’ adoption of E-banking services in Jordan», Inf. Resour. Manag. J., т. 30, вып. 2, сс. 44–60, 2017, doi: 10.4018/IRMJ.2017040103.