ЦИФРОВАЯ ТРАНСФОРМАЦИЯ БАНКОВСКОГО СЕКТОРА РЕСПУБЛИКИ ТАДЖИКИСТАН: ИНСТИТУЦИОНАЛЬНЫЕ ИЗМЕНЕНИЯ И СТРАТЕГИЧЕСКИЕ ПЕРСПЕКТИВЫ

Abstract:
This study explores the theoretical and practical dimensions of digital transformation within the banking sector of the Republic of Tajikistan under the conditions of an evolving digital economy. Particular attention is given to contemporary scholarly interpretations of the concept of ‘digital transformation’, as reflected in the research of international, Russian, and Tajik academics. Special emphasis is placed on assessing the current state of the banking sector of the Republic of Tajikistan within the framework of ongoing digital transformation processes. The study analyzes major indicators reflecting the level of banking digitalization, including the expansion of remote banking services, the dynamics of payment card utilization, the growth of mobile banking and cashless transactions, as well as the development of the digital infrastructure of commercial banks. To assess the level of customer satisfaction with digital banking services, an online survey among mobile banking application users was conducted. The findings made it possible to identify the principal advantages and existing limitations associated with remote banking services in the practice of Tajik commercial banks. The results of the study substantiate the necessity for further institutional transformations aimed at enhancing the efficiency of digital banking services, increasing the competitiveness of banks, and advancing the digital financial infrastructure of the Republic of Tajikistan.