The development of a reliable national banking sector integrated with digital technologies is a significant part of Turkmenistan's economic strategy, initiated by the National Leader of the Turkmen people, Hero-Arkadag Gurbanguly Berdimuhamedov, and currently implemented by President Serdar Berdimuhamedov. This task is a priority as it enhances the competitiveness and innovation of the domestic economy and its integration into the global economic system.

Key steps include the adoption and implementation of the "State Program for the Development of the Banking System of Turkmenistan for 2011-2030" and the "State Program for the Development of the Digital Economy of Turkmenistan for 2021-2025." Efforts are focused on increasing the competitiveness of banks, expanding credit volumes, aligning financial reports with international standards, and improving the legislative framework.

Significant emphasis is placed on cashless transactions using advanced methods and technologies, expanding operations with bank cards and mobile applications, and regularly modernizing and securing electronic payment systems. New banking products and services are being introduced, and the quality of service is being improved.

Digitalization of services is a key aspect, creating a robust, reliable, and flexible technological platform capable of handling large data volumes and providing comprehensive services. Modern digital services offered include Internet banking, mobile banking, electronic commerce, contactless payments, and digital cards and loans.

The introduction of international payment systems like VISA and MasterCard has integrated Turkmenistan into the global banking industry, enhancing the business image of leading domestic banks and attracting more clients.

Efforts are also made to ensure the security of banking cards and reduce payment risks, with innovations like the VISA Virtual card. State commercial banks offer digital services for online payment of education and accommodation for students abroad, medical treatment payments, and topping up international bank cards.

New services like remote banking and mobile applications for contactless payments are being developed. The "Sanly töleg" mobile application allows users to manage their finances and make payments easily.

Overall, the comprehensive measures taken under President Serdar Berdimuhamedov's leadership are making credit services more accessible and improving the banking sector's integration into international financial markets. The modernization of banking services is enhancing trust in the system and contributing to sustainable economic development and improved living standards.