Zamonaviy ta‟lim tizimini rivojlantirish va unga qaratilgan kreativ g„oyalar, takliflar va yechimlar

“ZAMONAVIY TA‟LIM TIZIMINI RIVOJLANTIRISH VA UNGA QARATILGAN KREATIV G„OYALAR, 
TAKLIFLAR VA YECHIMLAR” MAVZUSIDAGI 37-SONLI RESPUBLIKA ILMIY-AMALIY ON-LINE 
KONFERENSIYASI 
www
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bestpublication.
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The third reason is that there are no mechanisms to link multiple cards to a single 
account. That should be local cards. It should be possible to link several cards to one 
account: local and Mastercard - whichever is convenient. Currently, technological work is 
underway to develop such a system. 
 
REFERENCES: 
 
1.
Laukkanen T. (2007),―Internet vs mobile banking: comparing customer value 
perceptions‖, BusinessProcess Management Journal, Vol. 13 No. 6, pp. 788-797. 
2.
Devlin J.F. (1995),―Technology and innovation in retail banking distribution‖, 
International Journal of Bank Marketing, Vol. 13 No. 4, pp. 19-25. 
3.
Tiwari R., Buse S., (2007). The Mobile Commerce Prospects: A Strategic Analysis 
of Opportunities in the Banking Sector. Hamburg University Press, Hamburg, Germany. 
4.
Ramayah T., (2005). Course website usage among distance learning business 
students: the role of prior experience. International Journal of Learning 11, 1507–1517. 
5.
 
http://www.cbu.en
 – An official website of the Central bank of Uzbekistan

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“ZAMONAVIY TA‟LIM TIZIMINI RIVOJLANTIRISH VA UNGA QARATILGAN KREATIV G„OYALAR, 
TAKLIFLAR VA YECHIMLAR” MAVZUSIDAGI 37-SONLI RESPUBLIKA ILMIY-AMALIY ON-LINE 
KONFERENSIYASI 
www
.
bestpublication.
uz
371 
LEGAL BASIS OF REMOTE BANKING SERVICES 
 
Qudratova Feruza Nasriddinovna 
Student of Tashkent Institute of Finance 
 
Today, as in all sectors, banks are undergoing transformation processes with 
developed banks. In the process of transformation of banks, the increase in customer 
demand is inevitable, and as a result of poor quality of advanced innovative banking 
services in this regard may lead to a decrease in bank customers' confidence in their bank. 
As a result, bank customers try to switch banks or use other banking services. Therefore, the 
transformation of banks in accordance with the requirements of customers requires the 
creation of new banking services using modern information and communication 
technologies of banking products and services. 
The Central Bank has worked on the creation of an e-mail method for interbank 
settlements at the Main Information Center. Also, work was done to develop a practical 
program for the implementation of the bank's working day on computers and their 
implementation in banks. In pursuance of the Law of the Republic of Uzbekistan "On 
Digitalization" adopted this year, the Central Bank and its regional headquarters have 
established departments and divisions of informatization. The concept of informatization of 
the banking system of the Republic was developed. The rules of the interbank payment 
system are established by the Central Bank of the Republic of Uzbekistan. 
The interbank payment system of the Central Bank is regulated in accordance with the 
following regulations
16
: 

Law of the Republic of Uzbekistan "On the Central Bank of the Republic of 
Uzbekistan" (11.11.2019, ZRU-582); 

Law of the Republic of Uzbekistan "On Banks and Banking" (November 5, 2019, 
ZRU-580); 

Law of the Republic of Uzbekistan "On payments and payment systems" 
(01.11.2019, № ZRU-578); 

Regulations on the Procedure for Electronic Payments through the Interbank 
Payment System of the Central Bank (February 14, 2006, 45 1545); 

Regulations on cashless payments in the Republic of Uzbekistan (13.04.2020, № 
3229). 
The participants of the interbank payment system are the Central Informatization 
Center of the Central Bank and the Settlement Center of the Central Bank. Users of the 
interbank payment system are banks and financial institutions that have a correspondent 
account in the Settlement Center of the Central Bank. 
The Central Bank's Settlement Center (CBSC) is responsible for opening and 
maintaining correspondent accounts at the Head Offices of commercial banks (banks) and 
ensuring the continuity of electronic payments between them. 
16
 
www.cbu.en
 – An official website of Central Bank of Uzbekistan 

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