This article investigates the challenges and strategies involved in adopting foreign digital banking experiences to enhance the attraction of deposits from individuals in Uzbekistan. It examines the current state of digital banking in the country, identifying key issues such as underdeveloped technological infrastructure, inadequate regulatory frameworks, limited customer trust, and low levels of financial literacy. The study proposes solutions including technological enhancements, regulatory reforms, initiatives to build customer trust, and financial literacy campaigns. The findings suggest that while the integration of foreign digital banking practices presents challenges, strategic adaptations tailored to Uzbekistans unique context can lead to significant advancements in the banking sector, contributing to economic growth and financial inclusion.