TRENDS IN DIVERSIFICATION OF BANKING SERVICES IN INTERNATIONAL EXPERIENCE

Abstract

This article examines the trends in the diversification of banking services in international practice, presents the theoretical foundations of diversification, including its definition, objectives, and international models such as universal, specialized, and digital banking. And analyzes modern trends, focusing on global practices, case studies of leading banks, diversification in developing countries, and the impact of digital technologies and sustainable finance.The study concludes that diversification has become a key factor in banking competitiveness, financial inclusion, and innovation. International experience demonstrates that future diversification will be driven by artificial intelligence, blockchain, and green finance. The article emphasizes that for emerging economies like Uzbekistan, diversification strategies are essential for strengthening economic stability and achieving sustainable growth.