Multidisciplinary Journal of Science and Technology

STATISTICAL ASSESSMENT OF THE EFFICIENCY OF ONLINE SERVICES IN COMMERCIAL BANKS

Tashmatov, Zayir

DSc (Economics), Department of Economic Statistics, Tashkent State University of Economic

Rakhmataliev Muzaffar

Associate Professor, PhD Department of Economic Statistics Tashkent State University of Economics

Keywords: online banking, commercial banks, efficiency, digital transformation, statistical indicators

---

Abstract

This article presents a statistical assessment of the efficiency of online services provided
by commercial banks, with a focus on the banking sector of Uzbekistan. The study explores how digital
transformation has reshaped service delivery, operational efficiency, and customer interaction. A set
of key performance indicators—including transaction speed, cost per operation, digital usage rates,
and customer satisfaction—is analyzed using descriptive statistics and comparative benchmarking.
Furthermore, a SWOT analysis is applied to evaluate the internal and external factors influencing
the digital banking environment. The research findings suggest that online services contribute
significantly to improving banking efficiency, but also highlight the need for better infrastructure,
enhanced cybersecurity, and financial literacy initiatives. The results provide actionable insights for
bank managers and policymakers aiming to optimize digital banking strategies

---

References

1. Salimov, T. (2021). Statistical indicators of online banking infrastructure efficiency in

Uzbekistan. Banking Technology Journal of Uzbekistan, 12(3), 45–52.

2. Akhmedova, M. (2022). Customer behavior as a key component in digital banking

performance. Uzbek Journal of Financial Research, 9(2), 33–40.

3. Lichtenstein, P. (2019). Modeling online banking performance using statistical analysis.

European Journal of Banking Analytics, 27(1), 112–126.

4. Nakamura, R. (2020). AI-based efficiency assessment in digital financial systems. Asian

Journal of Digital Economics, 5(4), 87–98.