Тhe article analyzes the theoretical aspects of the introduction of modern technologies in the process of transforming banks on the basis of the opinions of foreign economists. In this regard, the theory of the banking system is divided into classical and digital development theories, its advantages are highlighted, and author's definitions are formulated.

. This article examines foreign experience in modeling risks affecting banks and its application to Uzbek banking practice. It provides a comprehensive analysis of banking risks affecting the activities of commercial banks and possible situations that may arise in econometric modeling of their impact