The Role Of Distance Banking Services In The Context Of Integration Processes

This article describes in detail the essence, advantages of "Distance banking services", "Internet-banking" and "Mobile-banking" in the context of integration processes, remote services in the banks of the country and their status. Statistical analysis of users of remote banking systems was carried out, as well as comparative analysis with world indicators. It also suggests the interdependence of factors influencing the development of distance banking services and ways to further improve it.


INTRODUCTION
The development of the digital economy in our country, in particular, the expansion of distance services in the banking system, brings a number of benefits to the population and businesses. In particular, the convenience of solving problems related to banking services in real time, reducing the time and transaction costs, as well as their implementation anywhere in the world.
Of course, the widespread introduction of IT technologies in the banking system, the acceleration of digitization processes and the introduction of the experience of developed foreign banks is a modern requirement.
In his Address to the Oliy Majlis on December 29, 2020, President Shavkat Mirziyoyev said, "In 2021, the transformation of 32 large enterprises and industries of strategic importance will be carried out. We will focus on the widespread introduction of digital technologies in the activities of banks, "" In 2021 we will prepare for the privatization of Sanoatqurilishbank, Asaka Bank, Ipoteka Bank, Aloqa Bank, Turon Bank and Qishloq Qurilish Bank. The state's stake in at least one major bank will be sold in full to strategic investors. Negotiations are underway with leading European banks in this regard", he said [1].

The Main Part
Indeed, today in the country there are investment projects on radical reform of the banking system, modernization of banks with digital technologies, introduction of convenient distance banking services for all segments of the population, as well as restructuring of the economy, modernization of basic industries, technical and technological re-equipment. Much attention is paid to strengthening its participation in the implementation and further increasing its resource base and capitalization.
In general, the formation of banks dates back to the XVIII century, while the emergence of the first forms of today's distance banking services dates back to the second half of the XX century.
The influence of digital technologies is a key factor in the development of distance banking services. In 1970, banks introduced ATMs as communication channels, then in the 1980s, telephone technology, in the 1990s, Internet banking, and in 1990-2000, mobile banking services changed banking technology [2]. According to V.K. Spilnichenko, remote servicing of a bank account is a set of information services and operations on a customer's account are performed on the basis of an assignment without visiting the bank. The system of remote servicing of bank accounts is explained by the customer's access to the bank's database through the telecommunications system [3].
It follows that the system of remote services in banks can be divided into two types depending on the nature of the services provided to customers: information and transactional services.

RESULTS AND DISCUSSION
According to Z.T. Mamadiyarov, in essence, there is no sharp difference between the traditional and remote organization of relations between the bank and the customer. The need to serve the bank's customers remained the same, only the communication channel connecting the bank and its customers has changed. In other words, it is now possible to carry out operations remotely, which can only be performed by bank customers at the bank [4].
Today, all users of the Internet and mobile communications are prospective customers for banks, and to demonstrate the advantages of remote services: by attracting these potential customers to the bank will depend only on the actions of this bank. This is because an individual who keeps his money in a bank can not only get information about his account through Internet-banking, but also pay for the use of mobile communications, Internet, television, utilities and many other services [5]. It also increases access to the Internet of Things (IoT) market and provides similar conveniences.

Number of Internet and mobile Internet users in Uzbekistan 2
This shows that the number of Internet users in our country is 4.39% higher than the global average compared to the total population, and the number of Internet users on mobile phones is 0.27% higher.
This indicates that the majority of the population can use banking services provided through mobile applications in their daily lives, and the need for this is growing day by day. In particular, the number of users of distance banking services in 2020 will reach about 10.2 million. Of these, 9.5 million were individuals and 0.7 million were legal entities. This figure is 2.2 million more than in 2019. increased by 7.  (Figure 1).

Figure 1. Number of users of distance banking services 3
The rapid development of mobile banking has led to an increase in the number of digital banks operating without opening branches and outlets. They are especially popular among the population who use smartphones to make financial transactions. As a result, it offers apps that allow consumers to manage their money remotely. As a result, visits to bank branches are declining from year to year.
In our opinion, modern information technologies and software allow customers to use banking services with maximum convenience and minimize time and financial costs in working with the bank.
Another advantage of remote service by banks is the transparency of service and the reduction of the human factor, which in turn leads to the complete elimination of corruption.
In general, the digitization of sectors of the economy is a major enemy of corruption and the shadow economy. This is because the types of services provided by banks and the fees charged, as well as other information, are the same for everyone and are offered in a convenient and understandable way. The user has the opportunity to choose the bank and the type of service, saving his time and money (visiting several banks, travel expenses, etc.).
Another important aspect of digitalization of the industry is that all the suggestions made by the service provider and the data entered by the user are stored in the memory of information technology and provide information quickly when needed. In this case, it is not possible to give special opportunities to one customer or to ignore the information provided by another customer or to limit its opportunities, to make secret deals. This, in The main goal of commercial banks is to attract customers in a competitive environment and strive for high profits. Having a high position in the market of services in interbank competition, one of the most promising areas of development in the market of certain banking services is the development of modern banking services.
Distance banking services are different from traditional banking services: • Modern banking services can be used by the customer from anywhere from his mobile phone or computer; • The client does not face long queues or other bureaucratic obstacles when using distance banking services; • Customers are free to manage their accounts at any time and have the opportunity to monitor the process.
Today, real-time card-to-card money transfer (P2P) transactions, tax, budget, utility and other payments, micro-borrowing and loan repayment, online deposit, deposit and loan (credit) accounts are all available through the mobile applications of commercial banks. wide openings, international bank card payments, online conversion operations and other distance banking services.
As more and more people use mobile phones in recent years, financial services are also organized within these means of communication [6].
According to the online publication PwC, an increasing number of people prefer to use banking services on their smartphones. With the help of mobile banking, the bank and its customers can manage money without physical contact, without going to the bank building.
Distance banking services cannot be imagined without ATMs and info kiosks. These simple-touse devices today serve as a kind of mini-bank office, ending the traditional interaction between customer and cashier. Each bank opens branches for HUMO and UZCARD plastic cards in convenient places for the population.
This provides the population with fast and high-quality services in the payment of utility bills, budget payments, cash withdrawals and currency exchange. It should be noted that customers can use ATMs and kiosks of any bank. The number of installed ATMs and kiosks has reached almost 12,000 ( Figure 2).   The clearing system of the Central Bank also performs the function of the "Settlement Bank" for the implementation of clearing operations on the results of transactions with retail payment systems (Uzcard and Humo) in the country by bank cards.
There is also a growing number of agencies and organizations that want to make payments in real time through the integration of the central bank with the clearing system of accounts. To date, payments for a total of more than 30 5 Data of the Central Bank of the Republic of Uzbekistan, https://cbu.uz services through the clearing system are made in real time.
In addition, according to President Shavkat Mirziyoyev, next year the interbank foreign exchange market will be transferred to the "online" platform, which will allow entrepreneurs to buy currency directly from the bank. As a result, entrepreneurs will be able to buy currency in half an hour, instead of the current 4 days" [1].