Abstract:

Abstract: The purpose of this research is to analyze the factors affecting bank trust among the young generation in Uzbekistan. 216 questionnaires filled by students at a university in Uzbekistan were evaluated. The average bank trust was 4.08 out of 5, indicating that students often trust their banks in Uzbekistan. The most important factor affecting bank trust is customer transparency, followed by value congruence and financial literacy. The percentage of cumulative variance explained by these three factors is 78.26%. Transparency, value congruence and financial literacy variables are regressed against bank trust. The results show that the relationships between transparency and bank trust and value congruence and bank trust are positive and significant. The relationship between financial literacy and bank trust, on the other hand, is negative. Furthermore, increasing bank trust leads to an increase in bank loyalty among university students in Uzbekistan.

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