📄 Abstract
The transformation of licensing processes in commercial banking systems has become a central component of digital modernization, reshaping how financial institutions enter markets, expand operations, and interact with regulatory authorities. Digital licensing models introduce structured assessment mechanisms, replace fragmented document workflows, and enable continuous electronic communication between banks and supervisory bodies. This shift not only accelerates authorization procedures but also strengthens the integrity and consistency of regulatory evaluations by incorporating automated verification tools, standardized data protocols, and secure digital identity frameworks. The study explores the driving forces behind digital licensing reforms, identifies the operational and institutional adjustments required for successful implementation, and evaluates the broader implications for regulatory efficiency and institutional transparency. Findings indicate that digital licensing significantly enhances supervisory responsiveness, reduces procedural uncertainty, and supports a more resilient banking ecosystem.
🏷️ Keywords
📚 How to Cite:
Kurbonov Tolibjon Sobirjonovich , DIGITAL LICENSING TRANSFORMATION IN COMMERCIAL BANKING SYSTEMS , Volume 12 , Issue 12, December 2025, EPRA International Journal of Economics, Business and Management Studies (EBMS) ,