{"id":"https://openalex.org/W7225311176","doi":"https://doi.org/10.5281/zenodo.23972312","title":"WAYS TO IMPLEMENT INNOVATIVE TECHNOLOGIES IN THE DEVELOPMENT OF DIGITAL BANKING SERVICES","display_name":"WAYS TO IMPLEMENT INNOVATIVE TECHNOLOGIES IN THE DEVELOPMENT OF DIGITAL BANKING SERVICES","publication_year":2026,"publication_date":"2026-11-05","ids":{"openalex":"https://openalex.org/W7225311176","doi":"https://doi.org/10.5281/zenodo.23972312"},"language":"en","primary_location":{"id":"doi:10.5281/zenodo.23972312","doi":"https://doi.org/10.5281/zenodo.23972312","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23972312","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["datacite"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.5281/zenodo.23972312","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5159455465","display_name":"Sevara Nurmatovna Begimkulova","orcid":"https://orcid.org/0009-0005-8809-0526","observed_orcids":["https://orcid.org/0009-0005-8809-0526"]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Begimkulova Sevara Nurmatovna","raw_affiliation_strings":["Independent Researcher at the Banking and Finance Academy of the Republic of Uzbekistan"],"raw_orcid":"https://orcid.org/0009-0005-8809-0526","affiliations":[{"raw_affiliation_string":"Independent Researcher at the Banking and Finance Academy of the Republic of Uzbekistan","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5159455465"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9994999766349792,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14183","display_name":"Banking Sector Performance and Management","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-banking","display_name":"digital banking","score":0.8539999723434448},{"id":"https://openalex.org/keywords/innovative-technologies","display_name":"innovative technologies","score":0.8980000019073486},{"id":"https://openalex.org/keywords/remote-banking","display_name":"remote banking services","score":0.6669999957084656},{"id":"https://openalex.org/keywords/mobile-banking-apps","display_name":"mobile banking applications","score":0.8209999799728394},{"id":"https://openalex.org/keywords/artificial-intelligence-in-banking","display_name":"artificial intelligence in banking","score":0.8999999761581421},{"id":"https://openalex.org/keywords/instant-payment-systems","display_name":"instant payment systems","score":0.7960000038146973},{"id":"https://openalex.org/keywords/remote-identification","display_name":"remote identification","score":0.7319999933242798},{"id":"https://openalex.org/keywords/digital-economy","display_name":"digital economy","score":0.734000027179718},{"id":"https://openalex.org/keywords/bank-competitiveness","display_name":"bank competitiveness","score":0.621999979019165},{"id":"https://openalex.org/keywords/uzbekistan","display_name":"Uzbekistan","score":0.9049999713897705}],"concepts":[{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.7099999785423279},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.682200014591217},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.6039000153541565},{"id":"https://openalex.org/C2779343474","wikidata":"https://www.wikidata.org/wiki/Q3109175","display_name":"Context (archaeology)","level":2,"score":0.5515000224113464},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.48730000853538513},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.44670000672340393},{"id":"https://openalex.org/C185822510","wikidata":"https://www.wikidata.org/wiki/Q1956140","display_name":"Payment service provider","level":3,"score":0.4230000078678131},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.4088999927043915},{"id":"https://openalex.org/C156152238","wikidata":"https://www.wikidata.org/wiki/Q1548025","display_name":"Retail banking","level":2,"score":0.40369999408721924},{"id":"https://openalex.org/C2987677221","wikidata":"https://www.wikidata.org/wiki/Q188506","display_name":"Electronic banking","level":3,"score":0.3725000023841858},{"id":"https://openalex.org/C37703655","wikidata":"https://www.wikidata.org/wiki/Q4048808","display_name":"SMS banking","level":3,"score":0.3456999957561493},{"id":"https://openalex.org/C98899853","wikidata":"https://www.wikidata.org/wiki/Q7696491","display_name":"Telephone banking","level":3,"score":0.3357999920845032},{"id":"https://openalex.org/C2993791488","wikidata":"https://www.wikidata.org/wiki/Q676459","display_name":"Bank account","level":3,"score":0.32739999890327454},{"id":"https://openalex.org/C2986226071","wikidata":"https://www.wikidata.org/wiki/Q22687","display_name":"Banking industry","level":2,"score":0.31139999628067017},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.3070000112056732},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3052999973297119},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.29510000348091125},{"id":"https://openalex.org/C2779530757","wikidata":"https://www.wikidata.org/wiki/Q1207505","display_name":"Quality (philosophy)","level":2,"score":0.28619998693466187},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.2824000120162964},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.2669999897480011},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.25850000977516174},{"id":"https://openalex.org/C26517878","wikidata":"https://www.wikidata.org/wiki/Q228039","display_name":"Key (lock)","level":2,"score":0.257099986076355},{"id":"https://openalex.org/C203043789","wikidata":"https://www.wikidata.org/wiki/Q138461","display_name":"Digital economy","level":2,"score":0.2547000050544739},{"id":"https://openalex.org/C110875604","wikidata":"https://www.wikidata.org/wiki/Q75","display_name":"The Internet","level":2,"score":0.2526000142097473}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.5281/zenodo.23972312","doi":"https://doi.org/10.5281/zenodo.23972312","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23972312","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},{"id":"doi:10.5281/zenodo.23972313","doi":"https://doi.org/10.5281/zenodo.23972313","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23972313","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"}],"best_oa_location":{"id":"doi:10.5281/zenodo.23972312","doi":"https://doi.org/10.5281/zenodo.23972312","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23972312","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure","score":0.7207000255584717}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W6911186453","https://openalex.org/W7225020495","https://openalex.org/W7220199752","https://openalex.org/W7161568390","https://openalex.org/W7220304921","https://openalex.org/W6968144457","https://openalex.org/W7217925212","https://openalex.org/W7218691947","https://openalex.org/W4200532480","https://openalex.org/W7220113449"],"abstract_inverted_index":{"In":[0],"the":[1,4,7,17,21,24,39,53,73,80,84,93,121,137],"context":[2],"of":[3,12,23,47,55,75,83,86,89,95,97,124,139],"digital":[5,56],"economy,":[6],"speed,":[8],"convenience,":[9],"and":[10,33,43,67,115,128],"security":[11],"banking":[13,57,99],"services":[14,58],"are":[15,37],"among":[16],"important":[18],"factors":[19],"determining":[20],"competitiveness":[22],"financial":[25],"system.":[26],"Mobile":[27],"applications,":[28],"remote":[29,98],"identification,":[30],"artificial":[31],"intelligence,":[32],"instant":[34],"payment":[35],"technologies":[36],"transforming":[38],"relationship":[40],"between":[41],"banks":[42],"customers.":[44],"The":[45],"purpose":[46],"this":[48],"thesis":[49],"is":[50],"to":[51,68,79,103,133],"analyze":[52],"development":[54],"in":[59],"Uzbekistan":[60],"based":[61],"on":[62],"official":[63],"indicators":[64],"for":[65,72],"2025":[66],"develop":[69],"practical":[70],"proposals":[71],"implementation":[74],"innovative":[76],"technologies.":[77],"According":[78],"Central":[81],"Bank":[82],"Republic":[85],"Uzbekistan,":[87],"as":[88,136],"January":[90],"1,":[91],"2025,":[92],"number":[94,123,138],"users":[96,125],"service":[100],"systems":[101],"amounted":[102],"52,917,166.":[104],"Of":[105],"these,":[106],"51,455,447":[107],"were":[108,112],"individuals,":[109,141],"while":[110],"1,461,719":[111],"legal":[113],"entities":[114],"individual":[116],"entrepreneurs.":[117],"This":[118],"indicator":[119],"represents":[120],"total":[122],"across":[126],"banks,":[127],"it":[129,135],"would":[130],"be":[131],"incorrect":[132],"interpret":[134],"unique":[140],"since":[142],"one":[143],"custo":[144]},"counts_by_year":[],"updated_date":"2026-11-08T12:12:28.789561","created_date":"2026-11-06T00:00:00"}