O‘ZBEKISTONDA RAQAMLI BANKLARNI (NEOBANKLAR) RIVOJLANTIRISH VA AHOLINING MOLIYAVIY SAVODXONLIGINI OSHIRISH YO‘LLARI
DOI:
https://doi.org/10.5281/zenodo.22894710Abstract
Ushbu maqolada O‘zbekistonda raqamli banklar (neobanklar) rivojlanishining iqtisodiy ahamiyati hamda aholining moliyaviy savodxonligini yanada oshirish yo‘nalishlari o‘rganilgan. Tadqiqotda O‘zbekiston Respublikasi Markaziy banki, Milliy statistika qo‘mitasi va boshqa rasmiy ochiq manbalarda e’lon qilingan ma’lumotlar tahlil qilingan. Raqamli bank xizmatlarining rivojlanishi, bank hisobvaraqlarini masofadan boshqarish tizimlaridan foydalanish ko‘lami, internetdan foydalanish imkoniyatlari hamda moliyaviy savodxonlikni oshirish bo‘yicha amalga oshirilayotgan chora-tadbirlar o‘rganilgan. Tahlil natijalari raqamli bank xizmatlaridan foydalanish imkoniyatlarini yanada kengaytirish bilan bir qatorda, aholining moliyaviy bilimlari, raqamli ko‘nikmalari va moliyaviy xavfsizlik madaniyatini izchil rivojlantirish raqamli moliyaviy xizmatlardan samarali va mas’uliyatli foydalanishga xizmat qilishini ko‘rsatadi. Maqolada neobanklarni rivojlantirish, raqamli moliyaviy xizmatlardan ongli va mas’uliyatli foydalanishni qo‘llab-quvvatlash hamda aholining moliyaviy savodxonligini oshirish bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan.Keywords
raqamli bank, neobank, raqamli moliyaviy xizmatlar, moliyaviy savodxonlik, moliyaviy inklyuziya, masofaviy bank xizmatlari, kiberxavfsizlik, raqamli transformatsiya, O‘zbekiston.References
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