РАҚАМЛИ ТРАНСФОРМАЦИЯ АСОСИДА ТИЖОРАТ БАНКЛАРИНИНГ МОЛИЯ БОЗОРИДА РАҚОБАТБАРДОШЛИГИНИ ОШИРИШНИНГ КОНЦЕПТУАЛ АСОСЛАРИНИ ТАКОМИЛЛАШТИРИШ, IMPROVING THE CONCEPTUAL FOUNDATIONS FOR ENHANCING THE COMPETITIVENESS OF COMMERCIAL BANKS IN THE FINANCIAL MARKET BASED ON DIGITAL TRANSFORMATION, СОВЕРШЕНСТВОВАНИЕ КОНЦЕПТУАЛЬНЫХ ОСНОВ ПОВЫШЕНИЯ КОНКУРЕНТОСПОСОБНОСТИ КОММЕРЧЕСКИХ БАНКОВ НА ФИНАНСОВОМ РЫНКЕ НА ОСНОВЕ ЦИФРОВОЙ ТРАНСФОРМАЦИИ

<jats:p>The article examines the strategic and conceptual significance of digital transformation in enhancing the competitiveness of commercial banks in the financial market. Currently, the author's research was conducted taking into account that the widespread introduction of fintech companies, digital platforms, and artificial intelligence technologies in the global financial market creates a new competitive environment in the banking system. Based on the research results, practical proposals and scientific recommendations on the topic were formulated.</jats:p>