TIJORAT BANKLARIDA RAQAMLI TRANSFORMATSIYA SAMARADORLIGI OMILLARI TAHLILI
DOI:
https://doi.org/10.5281/zenodo.19440079Keywords:
raqamli transformatsiya, tijorat banklari, samaradorlik omillari, operatsion risk, fintech, sun’iy intellekt, big data, bank rentabelligi, raqamli bank xizmatlari, korporativ boshqaruvAbstract
Mazkur maqolada tijorat banklarida raqamli transformatsiya jarayonlarining samaradorlik omillari tizimli
va kompleks yondashuv asosida tahlil qilinadi. Tadqiqot doirasida raqamli texnologiyalarni joriy etishning institutsional,
tashkiliy, moliyaviy va risk-menejment jihatlari o‘rganilib, ularning bank rentabelligi, operatsion xarajatlar samaradorligi,
aktivlar sifati hamda mijozlar qoniqish darajasiga ta’siri baholanadi. Shuningdek, fintech integratsiyasi, sun’iy intellekt
asosidagi skoring tizimlari, big data analitikasi hamda raqamli platformalarning bank faoliyatidagi transformatsion roli
ilmiy asosda yoritiladi. Tadqiqot natijalari raqamli transformatsiya samaradorligi kapital yetarliligi, operatsion risklarni
boshqarish tizimi, korporativ boshqaruv sifati va regulyativ muhit bilan uzviy bog‘liqligini asoslaydi hamda banklarda
raqamli rivojlanishni baholash uchun integral ko‘rsatkichlar tizimini taklif etadi.
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