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ISSN:
2776-1010
Volume 3, Issue 4, Apr, 2022
511 ISSN:
2776-1010
Volume 3, Issue 4, Apr, 2022
511
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The system is developed using a special cross-platform program «Javascript», which can be used in all
browsers, including: Internet Explorer, Edge, Chrome, Mozilla, Opera, Safari;
You do not need to install additional software, especially e-signature, ActiveX and other software.
Figure 1. Procedure for operation of digital banking regulator system «Digital bank»
How to use the digital banking system «Digital Bank» As mentioned above, businesses can use their
accounts EK keys, anywhere in the world and at any time with the Internet. In addition, the system
receives all the necessary information from the tax authorities and «my.gov.uz» and stores it in the
system. The system reviews and approves the Offer (Figure 1).
The existing remote banking services in our country today do not fully meet the requirements of modern
banking services. Today's state policy is also wide-ranging reforms aimed at the introduction and
development of digital banking.
The volume of transactions made through the interbank payment system of the Central Bank of the
Republic of Uzbekistan amounted to 1,890,510 billion soums per year. sum. Assuming that the working
day is 256 days a year, the average daily turnover of the Central Bank (from 9:00 to 16:00) is on average
7.4 trillion. soums (excluding intra-bank payments). If at least 5% of the daily remittances of
commercial banks are made through the digital banking system "Digital Bank", we can achieve the
following financial indicators. When we start attracting 0.2% of daily transactions through the digital
banking system "Digital Bank" for at least 5% for 20 months and set the commission rate at 0.2%, we
can earn about 30 million soums in the first, second and third months. When these figures are increased
to 5% according to the above table, it will increase revenues to 740 million soums in 16-20 months
(Table 1).
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