Development of Banking Products for Individuals


  • Xudoykulov Husniddin Ziyadullayevich Assistant of Samarkand Institute of Economics and Service


bank, individuals, banking product, target audience, client, service, benefit


The article is devoted to the study of the impact of customer needs on the development of banking products for individuals. The factors influencing the choice of a servicing bank and its products in the behavior of individual customers are analyzed. The main theses for the development of banking services for the retail segment are identified, among which the focus on customer needs has gained the greatest importance. Based on the study, it was concluded that the application of a customer focus model and an individual approach is most effective in the struggle for a competitive advantage among banks.


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How to Cite

Ziyadullayevich , X. H. . (2023). Development of Banking Products for Individuals. Academic Journal of Digital Economics and Stability, 27, 50–54. Retrieved from