DIRECTIONS FOR EXPANDING THE RESOURCE BASE THROUGH THE DIGITALIZATION OF BANK DEPOSIT SERVICES

The formation of deposit resources in commercial banks has become one of the strategic priorities in the context of economic reforms and financial market modernization. In Uzbekistan, this process is not only related to the expansion of the banks’ resource base, but also serves as an important factor in strengthening financial stability, increasing public confidence, and supporting lending to the real sector of the economy. The effective attraction of deposits allows commercial banks to reduce dependence on external borrowing, improve liquidity management, and ensure a stable source of financing for investment activities. Therefore, the study of institutional and innovative mechanisms for forming deposit resources is of both scientific and practical importance.