PROBLEMS ASSOCIATED WITH THE INTRODUCTION OF DIGITAL BANKING PRODUCTS FOR CORPORATE CLIENTS IN COMMERCIAL BANKS OF UZBEKISTAN

This article examines the complex challenges hindering the successful implementation and adoption of digital banking products for corporate clients within the commercial banking sector of Uzbekistan. The research identifies a significant gap between the rapid digital growth in the retail segment and the relatively slow transition within the corporate environment. The study categorizes these obstacles into several key domains, including infrastructure and technical barriers, organizational and human capital deficiencies, as well as security and regulatory constraints. Particular attention is paid to the limitations of legacy banking systems and the difficulties of integrating internal corporate software with modern banking platforms. Furthermore, the paper discusses how regional digital disparities and a shortage of specialized IT talent impact the development of intuitive and reliable financial tools. The study concludes by proposing a comprehensive strategic framework—encompassing technical standardization, regulatory flexibility, and enhanced security measures—to foster a more robust digital banking ecosystem that supports broader economic efficiency and financial inclusion.