Toshkent moliya institut xusanov qaxramon nishonovich tijorat banklarida innovatsion bank xizmatlarini

the recommendation to allocate microloans online based on scoring 
analysis by supporting innovation-based banking services, risk management 
in lending with plastic cards has been justified. 
Scientific and practical significance of the research work. 
Scientific proposals and practical recommendations developed in the research 
work can be widely used in the development of measures for the development of 
innovation-based banking services in the Republic of Uzbekistan, as well as in the 
process of forming educational and methodological support in such academic 

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subjects as “Banking”, “Digital banking services”, “Money circulation and banks” 
in higher educational institutions. 
Implementation of the research results. In reliance upon the developed 
proposals for the development of innovation-based banking services in commercial 
banks: 
the proposal to raise the accessibility of financial services through their 
digitalization has been used to improve the banking application of “Qishloq 
Qurilish Bank” (reference №1620/22 of the center “Taraqqiyot strategiyasi” 
(“Developmnet strategy”) dated December 28, 2022 and reference №06/43-12-
9230 of “Qishloq Qurilish Bank” JSB dated December 30, 2022). As a result, in 
accordance 
with 
the 
decision 
of 
the 
general 
meeting 
of 
JSCB 
“Qishloqqurilishbank” dated December 25, 2021, the commercial bank added the 
type of salary and advance payment to the services section of the “QUANT” 
application, and the number of users of this service has increased by 7.2%; 
the recommendation to create the possibility of making payments for public 
services in a non-cash form Appendix 2 to the Decree of the President of the 
Republic of Uzbekistan №PD-60 dated January 28, 2022 has been taken into 
account when improving paragraph 116 of the state program of the Development 
Strategy of New Uzbekistan “The Year of Human Dignity and Active Makhalla” 
for 2022 – 2026” of Appendix 2 to the Decree of the President of the Republic of 
Uzbekistan №PD-60 dated January 28, 2022 (reference №1620/22 of the center 
“Taraqqiyot strategiyasi” (“Developmnet strategy”) dated December 28, 2022 and 
reference №06/43-12-9230 of “Qishloq Qurilish Bank” JSB dated December 30, 
2022). As a result, the type of service Mu gov.uz has been added by a commercial 
bank to the services section of the “QUANT” application by enhancing the 
efficiency of remote banking services based on digital technologies in the 
relationship between the bank and the client, and the number of users of this 
service has increased by 5.4%; 
when providing innovative banking services to improve the banking 
application of “Asakabank”, the proposal has been used for the type of online 
deposit in UZS (reference №19-01/7062 of the Executive Board of “Asaka” JSCB 
dated December 6, 2022). As a result, when applying through the “Asakabank” 
mobile application, +1% is added annually. Partial consumption of the principal 
amount of the deposit is possible.For spent funds for full months, 19% per annum 
is paid, but the minimum amount of 3000000 UZS must remain in the deposit 
amount. No interest is paid if the minimum deposit requirement is complied with. 
In this case, the interest paid is deducted from the principal amount of the deposit. 
This service has been rendered to 1580 customers; 
the proposal to allocate microloans online based on scoring analysis was used 
to improve the banking applications of “Asakabank” and “Garant Bank” (reference 
№19-01/7062 of the Executive Board of “Asaka” JSCB dated December 6, 2022 
and reference №02/12 of the Executive Board“Garant Bank” JSCB dated January 
5, 2023). As a result, “Asakabank” was the first among commercial banks to 
launch an online service for issuing microloans based on scoring analysis through 

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its mobile application. To date, through this service, more than 152000 customers 
receive online microloans in the amount of 130 billion UZS.