CHAKANA BANK XIZMATLARINI RAQAMLI TRANSFORMATSIYA QILISHNING NAZARIY JIHATLARI
DOI:
https://doi.org/10.5281/zenodo.21965544Abstract
Chakana bank xizmatlarini raqamli transformatsiya qilishning nazariy-konseptual asoslari, texnologik
jihatlari, biznes-model evolyutsiyasi va strategik yo‘nalishlari keng ilmiy tahlil asosida ko‘rib chiqilgan. Tadqiqotda
zamonaviy iqtisodiy nazariyalar — platforma iqtisodiyoti, innovatsiyalarning tarqalishi nazariyasi, resurslarga asoslangan
yondashuv va institutsional nazariya — kontekstida raqamli bank transformatsiyasi nazariy jihatdan asoslangan.
Omnikanal strategiyasi, embedded finance, Banking-as-a-Service (BaaS) va open banking kabi konsepsiyalarning nazariy
mohiyati hamda amaliy tatbiqi tahlil qilingan. Shuningdek, xalqaro miqyosdagi statistik ma’lumotlar va yetakchi banklar
tajribasi asosida raqamli transformatsiyaning miqdoriy va sifat ko‘rsatkichlari baholangan. O‘zbekiston Respublikasida
chakana bank xizmatlarini raqamli transformatsiya qilishning hozirgi holati va istiqbolli yo‘nalishlari bo‘yicha tavsiyalar
ishlab chiqilgan.
Keywords
raqamli transformatsiya, chakana bank xizmatlari, fintech, platforma iqtisodiyoti, omnikanal, embedded finance, open banking, sun’iy intellekt, biznes-model innovatsiyasi, mijozlar tajribasiReferences
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