RAQAMLI TEXNOLOGIYALAR ASOSIDA ISLOM BANKCHILIGI MAHSULOTLARINI RIVOJLANTIRISH ISTIQBOLLARI

This article examines the prospects for developing Islamic banking products based on digital technologies. It analyses the potential application of mobile banking, digital identification, blockchain, smart contracts, artificial intelligence, API integration, and tokenization in Islamic financial instruments. The role of Sharia compliance, legal regulation, information security, and technological infrastructure in the implementation of digital products is substantiated. A phased model for developing digital Islamic banking products in Uzbekistan is proposed.

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