TIJORAT BANKLARIDA PLASTIK KARTALAR ORQALI XIZMAT KO‘RSATISH TIZIMINI TAKOMILLASHTIRISH
DOI:
https://doi.org/10.5281/zenodo.23269545Abstract
Maqolada tijorat banklarida plastik kartalar orqali xizmat ko‘rsatish tizimini takomillashtirish masalalari tadqiq etilgan. Markaziy bankning 2023–2026-yillar statistikasi asosida kartalar emissiyasi, ekvayring infratuzilmasi va terminal aylanmasi dinamikasi iqtisodiy, qiyosiy, statistik usullar bilan tahlil qilingan. Kartalarning 47 foizi nofaolligi, to‘lovlar tarkibida P2P o‘tkazmalar ustunligi va firibgarlik xatarlari asosiy muammo sifatida aniqlangan. Emissiya hajmidan faol foydalanishga o‘tishni ta’minlovchi uchta amaliy taklif ishlab chiqilgan.Keywords
tijorat banki, plastik karta, bank kartasi, naqd pulsiz hisob-kitoblar, to‘lov tizimi, emissiya, ekvayring, POS-terminal, bankomat, interchange to‘lovi, ikki tomonlama bozor, moliyaviy inklyuzivlik, raqamli bank xizmatlari, kontaktsiz to‘lov, tokenizatsiya, antifrod, kiberxavfsizlik, Uzcard, Humo, O‘zbekistonReferences
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