RAQAMLI IQTISODIYOTDA BANK XIZMATLARI XAVFSIZLIGINI TA’MINLASH VA KIBER TAVAKKALCHILIKLARNI BOSHQARISH STRATEGIYALARI
DOI:
https://doi.org/10.5281/zenodo.22859901Abstract
Bank tizimining kiberbardoshliligini ta’minlashning konseptual asoslari hamda raqamli bank xizmatlarida kiberxavflarni boshqarish mexanizmlari tadqiq etilgan. Tadqiqot doirasida Markaziy bankning 2025-yil 18-avgustdagi 3669-sonli Nizomida belgilangan axborot xavfsizligi talablari tahlil qilingan. Kiberjinoyatchilik holatlarining 154 baravar oshishi sharoitida 48 soatlik “muzlatish davri” hamda biometrik identifikatsiya kabi proaktiv himoya mexanizmlarining ahamiyati yoritilgan. “Zero Trust” arxitekturasi va sun’iy intellektga asoslangan antifrod tizimlarini CERT-CBU monitoring tizimi bilan integratsiyalash bo‘yicha yechimlar taklif etilgan. Shuningdek, kibersug‘urtalash mexanizmlarini rivojlantirish va bank xodimlarining kasbiy malakasini muntazam oshirish orqali operatsion tavakkalchiliklarni minimallashtirish bo‘yicha ilmiy-amaliy tavsiyalar ishlab chiqilgan.Keywords
raqamli banking, kiberbardoshlilik, antifrod tizimlari, muzlatish davri, biometrik identifikatsiya, tizimli xavf, CERT-CBU, mashinaviy o‘rganish, moliyaviy xavfsizlik.References
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