In the digital age, banking institutions are undergoing a significant transformation aimed at improving customer service efficiency through the adoption of advanced technologies. This study examines how digital banking initiatives influence the quality, speed, and reliability of customer services at JSCB “Sanoatqurilishbank” in the Surkhandarya region of Uzbekistan. The research employs a mixed-method approach, incorporating surveys, interviews, and secondary data analysis. Findings indicate that digital platforms have notably enhanced transaction speed, security, and accessibility for clients. However, regional infrastructure gaps and limited digital literacy among certain client segments remain substantial barriers. The study proposes actionable strategies, including digital literacy programs, improved technical support, and infrastructure upgrades to close these gaps. The results provide important implications for policy-makers, banking executives, and regional development planners aiming to enhance inclusive digital banking services across Uzbekistan.