TARAQQIY ETGAN MAMLAKATLARDA TIJORAT BANKLARI MOLIYAVIY XIZMATLARINI RIVOJLANTIRISHNING ZAMONAVIY MODELLARI VA USTUVOR YO‘NALISHLARI
DOI:
https://doi.org/10.5281/zenodo.22268661Abstract
Ushbu maqolada taraqqiy etgan mamlakatlarda tijorat banklari moliyaviy xizmatlarini
rivojlantirishning zamonaviy modellari va ustuvor yo‘nalishlari tadqiq etilgan. Rivojlangan bank tizimlariga ega
mamlakatlar tajribasi asosida moliyaviy xizmatlarni raqamlashtirish, innovatsion bank mahsulotlarini joriy etish,
mijozlarga yo‘naltirilgan xizmat ko‘rsatish, moliyaviy xizmatlar portfelini diversifikatsiyalash hamda xizmatlar
sifatini oshirish mexanizmlari tahlil qilingan. Shuningdek, mobil banking, internet-banking, fintech texnologiyalari,
sun’iy intellekt, katta ma’lumotlar va avtomatlashtirilgan xizmat ko‘rsatish tizimlaridan foydalanishning bank
faoliyatidagi ahamiyati yoritilgan. Taraqqiy etgan mamlakatlarda banklarning raqobatbardoshligini ta’minlash,
mijozlar ehtiyojini aniqlash va individual moliyaviy xizmatlarni shakllantirishga qaratilgan yondashuvlar
o‘rganilgan.
Keywords
taraqqiy etgan mamlakatlar, tijorat banklari, moliyaviy xizmatlar, raqamli banking, fintech, innovatsion xizmatlar, bank texnologiyalari, mijozlarga yo‘naltirilgan xizmat, xizmatlar diversifikatsiyasi, bank raqobatbardoshligi.References
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