THE EFFECT OF DIGITAL BANKING SERVICES ON CUSTOMER GROWTH

Authors

  • Yusupov Ulug‘bek Mamayusupovich Author

Keywords:

Keywords: Digital banking, customer growth, financial technology, online banking, mobile banking, electronic payments, customer satisfaction, fintech, banking innovation, financial services.

Abstract

Abstract: This study examines the effect of digital banking services on customer 
growth  in  the  financial  sector.  In  recent  years,  the  rapid  development  of  financial 
technologies  has  significantly  transformed  traditional  banking  systems,  making 
services  more  accessible,  faster,  and  more  efficient.  Digital  banking  tools  such  as 
mobile banking applications, online payment systems, internet banking platforms, and 
electronic wallets have become key drivers of customer acquisition and retention. 

References

References:

1. Gomber, P. et al. FinTech and the Transformation of Financial Services.

2. Davis, F. D. Technology Acceptance Model (TAM) Studies.

3. Rogers, E. M. Diffusion of Innovations Theory.

4. Beck, T. & Levine, R. Financial Development and Economic Growth Research.

5. Claessens, S. & Laeven, L. Competition in the Banking Sector Studies.

6. Oliver, R. L. Customer Satisfaction and Loyalty in Services.

7. Brynjolfsson, E. & McAfee, A. The Second Machine Age.

8. Demirgüç-Kunt, A. Financial Inclusion and Development Studies.

Published

2026-05-23

How to Cite

Yusupov Ulug‘bek Mamayusupovich. (2026). THE EFFECT OF DIGITAL BANKING SERVICES ON CUSTOMER GROWTH . Ta’lim Innovatsiyasi Va Integratsiyasi, 69(4), 158-164. https://journalss.org/index.php/tal/article/view/30962