INNOVATIVE APPROACHES TO ENSURING FINANCIAL STABILITY IN COMMERCIAL BANKS
DOI:
https://doi.org/10.5281/zenodo.18766677Keywords:
financial stability, commercial banks, innovative solutions, artificial intelligence, blockchain, big data, risk management, Basel III, RegTech, liquidityAbstract
This article analyzes the potential of using innovative solutions to ensure financial stability in commercial banks.
In light of recurring global financial crises, rapid digital transformation, and increasingly stringent international regulatory
requirements, banks are compelled to adopt new strategic approaches. The study investigates the implementation of
Basel III standards and the integration of artificial intelligence (AI), big data analytics, blockchain technology, and RegTech
tools in commercial banking operations. Drawing on both international practices and the experience of Uzbekistan, the
research evaluates the effectiveness of innovation-driven strategies in strengthening financial stability. The findings
demonstrate that modern technologies enable early risk detection, process automation, and more efficient management
of capital adequacy and liquidity. Based on this analysis, recommendations are provided to support the development of
innovation-based financial resilience in the banking sectors of emerging economies
References
Arner, D.W., Barberis, J. and Buckley, R.P., 2017. FinTech and RegTech in a nutshell, and the future in a sandbox.
Northwestern Journal of International Law & Business, 37(3), pp.371–413. https://scholarlycommons.law.northwestern.
edu/njilb/vol37/iss3/3
Basel Committee on Banking Supervision. (2011). Basel III: A global regulatory framework for more resilient banks and
banking systems. Bank for International Settlements. https://www.bis.org/publ/bcbs189.pdf
Berger, A. N., & Bouwman, C. H. S. (2013). How does capital affect bank performance during financial crises?. Journal
of Financial Economics, 109(1), 146–176. https://doi.org/10.1016/j.jfineco.2013.02.008
Demirgüç-Kunt, A., & Detragiache, E. (2002). Does deposit insurance increase banking system stability?. Journal of
Monetary Economics, 49(7), 1373–1406. https://doi.org/10.1016/S0304-3932(02)00171-X
IMF. (2022). Financial Soundness Indicators Compilation Guide. International Monetary Fund. https://www.imf.org/en/
Data/Statistics/FSI
World Bank. (2023). Uzbekistan Financial Sector Assessment. World Bank Publications. https://documents.worldbank.
org
Central Bank of the Republic of Uzbekistan (CBU). (2023). Banking Sector Stability Report. https://cbu.uz/en/reports/
bank-monitoring/
Central Bank of Uzbekistan. (2020). Resolution No. 12/6: On approval of the methodology for assessing financial
stability of commercial banks. https://cbu.uz
The President of the Republic of Uzbekistan. (2022). Decree No. UP–101: On measures to improve monetary policy
and banking system stability. https://lex.uz/docs/1234567
Ministry of Justice of the Republic of Uzbekistan. (2021). Law on Banks and Banking Activity. National Legislation
Database. https://lex.uz/acts/5993872
Vives, X. (2019). Digital disruption in banking. Annual Review of Financial Economics, 11, 243–272. https://doi.
org/10.1146/annurev-financial-100719-120854
Thakor, A. V. (2020). Fintech and banking: What do we know? Annual Review of Financial Economics, 12, 299–321.
https://doi.org/10.1146/annurev-financial-110217-022804
Taha, H. Y., & Ali, H. A. (2026). The problem of non-performing loans in Iraqi banks: An econometric study of the
impact of economic and institutional factors on asset quality. International Journal of Business and Management
(IJBM). Retrieved from https://iessociety.org/index.php/IJBM/article/view/216.
Sharma, A. K., & Chauhan, R. (2023). Impact of Basel III liquidity and capital regulations on bank lending and financial
stability: Evidence from emerging countries. Journal of Corporate Accounting & Finance. Wiley Online Library
Downloads
Published
Issue
Section
License
Copyright (c) 2026 MUHANDISLIK VA IQTISODIYOT
This work is licensed under a Creative Commons Attribution 4.0 International License.