This analysis explores the challenges and solutions in the digital transformation of commercial banking in Uzbekistan. Identified challenges include limited technological infrastructure, low digital literacy, regulatory complexities, and escalating cybersecurity threats. Proposed solutions encompass strategic investments, digital literacy programs, regulatory collaboration, and cybersecurity measures. Progress indicators, such as increased digital transactions and successful fintech collaborations, serve as benchmarks for success. The conclusion emphasizes continuous adaptation, collaboration, and innovation in navigating the evolving digital landscape, providing insights for Uzbekistans commercial banks.