SOME SPECIFIC FEATURES OF THE IMPLEMENTATION OF DIGITAL FINANCIAL TECHNOLOGIES IN TAJIKISTAN’S BANKING (USING ALIF BANK AS AN EXAMPLE)

The article is devoted to the analysis of the prospects for the introduction of new digital technologies in the financial sector in order to improve the efficiency of the banking sector in Tajikistan. The focus of the study is on the work of the Tajik Alif Bank in order to identify the features of the ongoing digital transformation processes, possible advantages and risks. Its competitiveness within the national banking system is analyzed. The principles of Alif Bank’s work to attract the target audience using digital products are studied. The services of Alif Holding and its prospects in the development of Islamic fintech in the CIS countries are considered. An analysis of the features of its entry into the CIS banking market and the introduction of Islamic banking is carried out. Based on the collected data, the article attempts to show the features of the digitalization of banks in Tajikistan and highlight the possible advantages and risks.