This article examines how banking compliance in the Republic of Uzbekistan is changing under the influence of digital and intelligent technologies. While prior studies often focus on individual tools or regulatory aspects, this paper addresses the broader transformation of compliance from a narrowly control-oriented function into a strategic component of bank management. The study aims to demonstrate that RegTech solutions and artificial intelligence (AI) significantly enhance the efficiency, adaptability, and risk-oriented nature of compliance systems in commercial banks. The research is based on systemic and institutional approaches and applies comparative analysis, generalization of statistical data, and expert assessments. The paper identifies key weaknesses of traditional compliance models and analyzes practical directions for implementing RegTech and AI in AML/CFT, KYC, and transaction monitoring. As a result, a three-level model of digital banking compliance is proposed, combining operational automation, analytical intelligence, and strategic decision support. The practical value of the study lies in concrete recommendations for commercial banks and the Central Bank of the Republic of Uzbekistan aimed at building a technologically sustainable and risk-oriented compliance system.