TIJORAT BANKLARI XIZMATLARINI RAQAMLASHTIRISHNING IQTISODIY MOHIYATI VA UNING BANK FAOLIYATI SAMARADORLIGIGA TA’SIRI
DOI:
https://doi.org/10.5281/zenodo.18810852Keywords:
raqamli bank, bank xizmatlari, tijorat banklari, raqamlashtirish, digital banking, fintex, bank samaradorligi, masofaviy bank xizmatlari, raqamli transformatsiya, bank biznes modeliAbstract
Mazkur maqolada tijorat banklari xizmatlarini raqamlashtirishning iqtisodiy mohiyati hamda uning bank
faoliyati samaradorligiga ta’siri tadqiq etilgan. Zamonaviy raqamli texnologiyalarning bank amaliyotiga joriy etilishi moliyaviy
xizmatlar ko‘rsatish mexanizmlarini tubdan o‘zgartirib, bank biznes modelining transformatsiyasiga olib kelayotgani ilmiy
jihatdan asoslab berilgan. Tadqiqot jarayonida bank xizmatlarini raqamlashtirishning nazariy asoslari o‘rganilib, an’anaviy
va raqamli bank xizmatlarining iqtisodiy xususiyatlari qiyosiy tahlil qilingan.
Tadqiqotda tizimli tahlil, qiyosiy tahlil hamda iqtisodiy-statistik usullardan foydalanilgan. O‘zbekiston bank tizimi misolida
raqamli bank xizmatlarining rivojlanish tendensiyalari tahlil qilinib, raqamlashtirish jarayoni operatsion xarajatlarni
qisqartirish, xizmat ko‘rsatish tezligini oshirish va mijozlar qamrovini kengaytirish orqali bank faoliyati samaradorligiga
ijobiy ta’sir ko‘rsatishi aniqlangan
References
1. O‘zbekiston Respublikasi Prezidentining 2020-yil 12-maydagi “O‘zbekiston Respublikasining bank tizimini isloh qilish
strategiyasi to‘g‘risida” PF-5992-son Farmoni. https://lex.uz/docs/4811025
2. O‘zbekiston Respublikasi Markaziy banki. O‘zbekiston Respublikasi bank tizimi to‘g‘risida yillik hisobotlar, Toshkent,
2021–2025 yy. https://cbu.uz
3. O‘zbekiston Respublikasi Markaziy banki. Moliyaviy barqarorlik sharhi, Toshkent, 2022–2025 yy. https://cbu.uz/uz/
publications
4. O‘zbekiston Respublikasi Davlat statistika qo‘mitasi. Raqamli iqtisodiyot va moliyaviy xizmatlar statistik ma’lumotlari.
5. Mishkin F.S. The Economics of Money, Banking and Financial Markets. 12th Edition, Pearson Education, 2019. https://
www.pearson.com
6. Skinner C. Digital Bank: Strategies to Launch or Become a Digital Bank. Marshall Cavendish, 2014. https://thefinanser.
com
7. King B. Bank 4.0: Banking Everywhere, Never at a Bank. Wiley, 2018. https://www.wiley.com
8. Arner D.W., Barberis J., Buckley R.P. FinTech and the Transformation of Financial Services. Journal of Banking
Regulation, 2016. https://link.springer.com/article/10.1057/jbr.2015.14
9. Gomber P., Koch J., Siering M. Digital Finance and FinTech: Current Research and Future Research Directions.
Journal of Business Economics, 2017. https://link.springer.com/article/10.1007/s11573-017-0852-x
10. Philippon T. The FinTech Opportunity. National Bureau of Economic Research Working Paper, 2019. https://www.nber.
org/papers/w22476
11. World Bank. Digital Financial Services Report. Washington DC, 2022. https://www.worldbank.org
12. International Monetary Fund. Financial Technology and Banking Sector Transformation Report. IMF, 2021. https://
www.imf.org
13. Basel Committee on Banking Supervision. Sound Practices: Implications of FinTech Developments for Banks. BIS,
2024. https://www.bis.org
14. Mamadiyarov Z.T. Raqamli transformatsiya jarayonida bank xizmatlarini masofadan ko‘rsatishning metodologik
asoslarini takomillashtirish, 2022.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 GREEN ECONOMY AND DEVELOPMENT
This work is licensed under a Creative Commons Attribution 4.0 International License.