TIJORAT BANKLARIDA TO‘LOV XIZMATLARI SIFATINI VA TEZKORLIGINI OSHIRISH YO‘LLARI
DOI:
https://doi.org/10.5281/zenodo.23269665Abstract
Tijorat banklarida to‘lov xizmatlari sifati va tezkorligini oshirish yo‘nalishlari tadqiq etilgan. O‘zbekistonning to‘lov infratuzilmasi, to‘lov terminallari orqali amalga oshirilgan operatsiyalar aylanmasi, naqd pul ulushi va tezkor to‘lovlar tizimining qamrov darajasi xalqaro ko‘rsatkichlar bilan qiyosiy tahlil qilingan. To‘lov xizmatlari sifatini tezkorlik, ishonchlilik, xavfsizlik, shaffoflik va qulaylik mezonlari asosida kompleks baholashga yo‘naltirilgan besh o‘lchovli yondashuv ilmiy jihatdan asoslangan. Tadqiqot natijalari asosida hisobvaraqlar o‘rtasidagi tezkor to‘lovlarni rivojlantirish, xizmat sifati standartlarini joriy etish hamda firibgarlikka qarshi kurashish bo‘yicha ma’lumotlar almashinuvini takomillashtirishga qaratilgan uchta amaliy taklif ishlab chiqilgan.Keywords
tijorat banklari, to‘lov xizmatlari, xizmat sifati, to‘lovlar tezkorligi, tezkor to‘lovlar tizimi, naqd pulsiz hisob-kitoblar, bank kartalari, to‘lov terminallari, masofaviy bank xizmatlari, raqamli transformatsiya, o‘zaro muvofiqlik, ochiq banking, QR-to‘lovlar, antifrod tizimi, kiberxavfsizlik, moliyaviy inklyuzivlik, SERVQUAL, O‘zbekistonReferences
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