RAQAMLI BANKLAR VA KIBERXAVFSIZLIK: ZAMONAVIY TAHDIDLAR VA HIMOYA USULLARI
DOI:
https://doi.org/10.5281/zenodo.21918718Abstract
Ushbu maqolada raqamli banklarning jadal rivojlanishi sharoitida kiberxavfsizlikni
ta’minlashning dolzarb masalalari, zamonaviy onlayn tahdidlarning bank tizimi faoliyatiga ta’siri, ularni bartaraf
etishning samarali usullari ilmiy jihatdan tahlil qilingan. Tadqiqot davomida phishing, zararli dasturlar (malware),
DDoS hujumlari, ijtimoiy muhandislik va ichki tahdidlar kabi kiberxavflarning banklar faoliyati, mijozlar ishonchi
hamda moliyaviy barqarorlikka salbiy ta’siri yoritilgan. Shuningdek, ko‘p bosqichli autentifikatsiya, ma’lumotlarni
shifrlash, sun’iy intellektga asoslangan monitoring tizimlari, biometrik autentifikatsiya, real vaqt rejimidagi
nazorat hamda xodimlarning kiberxavfsizlik bo‘yicha malakasini oshirish kabi zamonaviy himoya usullarining
afzalliklari tahlil qilingan. Maqolada O‘zbekiston bank tizimida axborot xavfsizligini mustahkamlash, kiber
risklarni boshqarish va raqamli moliyaviy xizmatlar ishonchliligini oshirishga qaratilgan amaliy tavsiyalar ishlab
chiqilgan.
Keywords
sun’iy intellekt, raqamli bank, kiber tahdidlar, bank xavfsizligi, axborot xavfsizligi, zararli dasturlar, ma’lumotlarni himoyalash, raqamli transformatsiya, moliyaviy texnologiyalar, biometrik autentifikatsiya.References
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