aspg-42-4293-1792226010 20261017083330 American Scientific Publishing Group admin@americaspg.com American Scientific Publishing Group Journal of International Economics Research JIER 3070-5665 2026 3 2 Gulchekhrakhon Ostonakulova Tashkent State University of Economics, Tashkent, Uzbekistan Normal false false false RU X-NONE AR-SA DefSemiHidden="false" DefQFormat="false" DefPriority="99" LatentStyleCount="371"> UnhideWhenUsed="true" QFormat="true" Name="heading 2"/> UnhideWhenUsed="true" QFormat="true" Name="heading 3"/> UnhideWhenUsed="true" QFormat="true" Name="heading 4"/> UnhideWhenUsed="true" QFormat="true" Name="heading 5"/> UnhideWhenUsed="true" QFormat="true" Name="heading 6"/> UnhideWhenUsed="true" QFormat="true" Name="heading 7"/> UnhideWhenUsed="true" QFormat="true" Name="heading 8"/> UnhideWhenUsed="true" QFormat="true" Name="heading 9"/> Name="index 1"/> Name="index 2"/> Name="index 3"/> Name="index 4"/> Name="index 5"/> Name="index 6"/> Name="index 7"/> Name="index 8"/> 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{mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:8.0pt; mso-para-margin-left:0in; line-height:107%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri",sans-serif; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:Arial; mso-bidi-theme-font:minor-bidi; mso-ansi-language:RU;} Although research on digital banking monetization with financial performance is growing, few studies have focused on the sustainability of bank earnings through the perspective of digital revenue models. The purpose of this study is to examine the role of digital banking monetization and platform transaction income in achieving earnings sustainability in responding to the digital banking transformation. Collected banking data were subjected to a detailed regression analysis to estimate the conditional probability that a bank has a sustainable earnings structure, given the presence of one or more of its digital banking services. In order to analyze digital monetization and earnings sustainability while also including selection-related factors, certain financial indicators and control variables were combined with the dataset set defined by the sample selection process, which resulted in the Heckman selection model. The results show that banks’ favorable perceptions of the profitability of their digital banking services show digital monetization positively influences the formation of their earnings stability through the mediating effect of digital transaction income toward interest income diversification, fee-based revenues, and platform service charges. The results also show the positive impact of digital transaction revenues and platform service income on earnings stability during the digital banking expansion period. Moreover, understanding the contribution of digital banking monetization for earnings sustainability in relation to the platform-based model of banking is a contribution to financial research that may help future banks achieve faster digital transformation. 2026 24 34 4293 https://creativecommons.org/licenses/by/4.0/ 10.54216/JIER.030204 https://americaspg.com/journal/42/article/4293 https://americaspg.com/storage/51773861569.pdf