THEORETICAL FOUNDATIONS OF BANK LIABILITY MANAGEMENT UNDER MODERN FINTECH AND DIGITAL TRANSFORMATION

This article investigates the theoretical and methodological foundations as well as conceptual directions of commercial bank liability management under modern conditions of fintech and digital transformation. It analyzes the transformation trends of the traditional Asset-Liability Management (ALM) concept under the influence of digital ecosystems, Banking-as-a-Service (BaaS), and Open API technologies. The role and economic significance of transactional liabilities in ensuring the stability of the bank's resource base and optimizing the cost of funding during digitalization are highlighted. Issues concerning the modeling of customer behavior via Big Data and Artificial Intelligence, as well as real-time liquidity risk assessment in liability management, are examined. The theoretical and practical opportunities for building a low-cost and stable resource base through digital platforms within the banking system of Uzbekistan are evaluated. The study concludes with scientific and practical proposals for enhancing liability architecture and regulating digital liabilities amid the integration of fintech ecosystems.