Rivojlanayotgan mamlakatlar bank tizimida raqamli moliyaviy texnologiyalarni joriy etish afzalliklari
DOI:
https://doi.org/10.5281/zenodo.15509907Keywords:
bank, innovatsiya, raqamli texnologiyalar, FinTech, moliyaviy innovatsiyalar, robo-maslahatchi, blokcheyn, mobil ilova.Abstract
So‘nggi yillarda tadqiqotlar shuni ko‘rsatmoqdaki, moliyaviy innovatsion texnologiyalar samaradorlikni
oshirish va moliyaviy xizmatlardan keng foydalanishga olib kelayotgan bo‘lsa-da, ular ma’lumotlar xavfsizligi hamda
maxfiylik muammolari kabi salbiy oqibatlarni ham yuzaga keltirmoqda. Ushbu maqolada raqamli moliyaviy texnologiyalarni
joriy etish rivojlanayotgan mamlakatlarning global mintaqalararo bank bozorlarida raqobatbardoshligini saqlab qolish
uchun muhim ahamiyatga ega ekani asoslab berilgan. Bunga qulay me’yoriy-huquqiy baza yaratish, infratuzilmaga
sarmoya kiritish, shuningdek, raqamli savodxonlik va ko‘nikmalarni oshirish uchun salohiyatni rivojlantirish orqali erishish
mumkinligi haqida xulosalar shakllantirilgan
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