RAQAMLASHUV JARAYONIDA BANK XIZMATLARI XAVFSIZLIGINI TA’MINLASH VA AHOLINING MOLIYAVIY MADANIYATINI YUKSALTIRISH, ENSURING THE SAFETY OF BANKING SERVICES AND IMPROVING THE FINANCIAL CULTURE OF THE POPULATION IN THE DIGITALIZATION PROCESS, ОБЕСПЕЧЕНИЕ БЕЗОПАСНОСТИ БАНКОВСКИХ УСЛУГ И ПОВЫШЕНИЕ ФИНАНСОВОЙ КУЛЬТУРЫ НАСЕЛЕНИЯ В ПРОЦЕССЕ ЦИФРОВИЗАЦИИ

<jats:p>The article examines the development of innovative services in the banking system under the conditions of digital transformation, ensuring their security, and improving the financial literacy of the population. The author identified the impact of the population's use of innovative banking services on the stability of the banking system and cybersecurity issues. As a result of the research, scientific proposals, practical recommendations, and conclusions were formulated.</jats:p>