The research examines the mechanisms by which commercial banks in Uzbekistan use digital financial products to implement the state program “From Poverty to Well-Being.” It analyzes the advantages and risks of digital banking in providing financial services to the population. Moreover, the authors propose using artificial intelligence (AI) in banking services and explore the role of entrepreneurship support in reducing poverty. The main objective of this research is to identify the benefits and challenges of applying digitalization in banking to stimulate entrepreneurship activity. To achieve this objective and test the hypothesis, the authors applied monographic research methods, processed statistical data, and analyzed and synthesized the obtained data. The findings of this research serve as the foundation for recommendations aimed at enhancing the competencies of bank employees in response to the demands of digital transformation. This includes the widespread adoption of artificial intelligence to improve both the speed and quality of financial services provided by commercial banks. The novelty and practical significance of this study stem from the relevance of the issue to economies in transition, particularly in light of the potential integration of ESG principles at all levels of management. Such integration contributes to increasing the global competitiveness and appeal of national economic entities.