{"id":5215,"date":"2025-12-09T13:39:00","date_gmt":"2025-12-09T13:39:00","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=5215"},"modified":"2026-04-09T13:41:54","modified_gmt":"2026-04-09T13:41:54","slug":"strategies-for-improving-the-quality-of-banking-services-in-the-conditions-of-fintex-transformation","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=5215","title":{"rendered":"STRATEGIES FOR IMPROVING THE QUALITY OF BANKING SERVICES IN THE CONDITIONS OF FINTEX TRANSFORMATION"},"content":{"rendered":"\n<p><strong><em>Ibroximov Ilkhomjon Shavkatjon oglu<\/em><\/strong><\/p>\n\n\n\n<p><em>PhD, Associate Professor<\/em><\/p>\n\n\n\n<p><em>Tashkent International University of Chemistry, Tashkent, Uzbekistan<\/em><\/p>\n\n\n\n<p><em>Head of the \u201cEvening Education\u201d program<\/em><\/p>\n\n\n\n<p><em>+998909076789<\/em><\/p>\n\n\n\n<p><em>ORCID: 0009-0003-0559-6552<\/em><\/p>\n\n\n\n<p><em>i.ibroximov@kiut.uz<\/em><\/p>\n\n\n\n<p><strong><em>Abstract.<\/em><\/strong><em> This article examines the theoretical foundations and strategic approaches to improving banking service quality under fintech transformation. The rapid integration of digital technologies, open banking architecture, artificial intelligence-driven analytics, and remote identification systems is fundamentally reshaping the structure and quality parameters of banking services. The study conceptualizes banking service quality as a multi-dimensional economic category and demonstrates how its functional, technological, communicative, and loyalty components are reconfigured within a fintech environment. Particular emphasis is placed on customer experience management, digital platform reliability, cybersecurity enhancement, and data-driven personalization as key strategic directions for service quality improvement. The research proposes an integrated service quality management model aligned with the fintech ecosystem, contributing to sustainable competitiveness and long-term financial performance of banks.<\/em><\/p>\n\n\n\n<p><strong><em>Key words:<\/em><\/strong><em> fintech transformation, banking service quality, digital banking, open banking, cybersecurity, customer experience, artificial intelligence, data analytics, strategic management.<\/em><\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2025\/12\/10Ibroximov-Ilxomjon.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 10+Ibroximov Ilxomjon.\"><\/object><a id=\"wp-block-file--media-278ce9ed-06ef-4bb1-b9a8-86de35b1a040\" href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2025\/12\/10Ibroximov-Ilxomjon.pdf\">10+Ibroximov Ilxomjon<\/a><a href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2025\/12\/10Ibroximov-Ilxomjon.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-278ce9ed-06ef-4bb1-b9a8-86de35b1a040\">Download<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Ibroximov Ilkhomjon Shavkatjon oglu PhD, Associate Professor Tashkent International University of Chemistry, Tashkent, Uzbekistan Head of the \u201cEvening Education\u201d program +998909076789 ORCID: 0009-0003-0559-6552 i.ibroximov@kiut.uz Abstract. This article examines the theoretical foundations and strategic approaches to improving banking service quality under <a href=\"https:\/\/interfinance.tsue.uz\/?p=5215\" class=\"read-more\">Read More &#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow2__KDA:productID":"","footnotes":""},"categories":[72],"tags":[],"class_list":["post-5215","post","type-post","status-publish","format-standard","hentry","category-2025-6-issue-1-6"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>STRATEGIES FOR IMPROVING THE QUALITY OF BANKING SERVICES IN THE CONDITIONS OF FINTEX TRANSFORMATION - Journal of International Finance and Accounting<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/interfinance.tsue.uz\/?p=5215\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"STRATEGIES FOR IMPROVING THE QUALITY OF BANKING SERVICES IN THE CONDITIONS OF FINTEX TRANSFORMATION - Journal of International Finance and Accounting\" \/>\n<meta property=\"og:description\" content=\"Ibroximov Ilkhomjon Shavkatjon oglu PhD, Associate Professor Tashkent International University of Chemistry, Tashkent, Uzbekistan Head of the \u201cEvening Education\u201d program +998909076789 ORCID: 0009-0003-0559-6552 i.ibroximov@kiut.uz Abstract. 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