TIJORAT BANKLARIDA TO‘LOV TIZIMLARI SAMARADORLIGINI OSHIRISH VA XAVFSIZLIGINI TA’MINLASH
DOI:
https://doi.org/10.5281/zenodo.21936719Abstract
Ushbu maqolada O‘zbekiston tijorat banklarida raqamli transformatsiya sharoitida to‘lov tizimlari
samaradorligi va xavfsizligini oshirish masalalari tahlil qilinadi. 2020–2024-yillar ma’lumotlari asosida elektron va
mobil to‘lovlar, naqd pulsiz tranzaksiyalar hamda to‘lov kartalari infratuzilmasining o‘sish tendensiyalari aniqlangan.
Raqamlashtirish samaradorlikni oshirishi bilan birga, firibgarlik va kiberxavflarni ham kuchaytirayotgani qayd etilgan. Shu
bois firibgarlik monitoringi, biometrik autentifikatsiya, tokenizatsiya, sun’iy intellekt, blokcheyn va tezkor to‘lov tizimlarini
joriy etishning ahamiyati asoslangan. Tadqiqotda 2023–2027-yillarga mo‘ljallangan strategiya asosida to‘lov infratuzilmasini
rivojlantirish yo‘nalishlari taklif etilgan. Xulosa qilib, raqamli innovatsiyalar va xavfsizlik choralarini uyg‘unlashtirish bank
tizimi barqarorligining muhim omili ekanligi ta’kidlangan
Keywords
to‘lov tizimlari, tijorat banklari, samaradorlik, kiberxavfsizlik, firibgarlik, raqamlashtirish, sun’iy intellekt, blokcheyn, mobil to‘lovlar, naqd pulsiz operatsiyalar, xatarlarni boshqarishReferences
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