RAQAMLI INFRATUZILMA VA API INTEGRATSIYASI ORQALI BANKLARARO RAQOBATNI KUCHAYTIRISH

RAQAMLI INFRATUZILMA VA API INTEGRATSIYASI ORQALI BANKLARARO RAQOBATNI KUCHAYTIRISH

Authors

  • Odiljon Karimov

DOI:

https://doi.org/10.5281/zenodo.21358729

Keywords:

raqamli infratuzilma, Open API, kiberxavfsizlik, banklararo raqobat, bozor konsentratsiyasi

Abstract

Mazkur tezisda raqamli infratuzilmaning rivojlanishi, ochiq bank xizmatlari doirasidagi
API integratsiyasi va kiberxavfsizlik tizimlarining banklararo raqobatga ta’siri tahlil qilinadi. Yevropa Markaziy
banki, Yevropa bank boshqarmasi, McKinsey, OECD hamda O‘zbekiston Respublikasi Markaziy bankining
ma’lumotlari va tahliliy materiallari asosida raqamli platformalarning bank xizmatlari bozoridagi raqobat,
tranzaksiya xarajatlari va bozor tuzilmasiga ta’siri yoritiladi.

Author Biography

Odiljon Karimov

Toshkent davlat iqtisodiyot universiteti mustaqil izlanuvchisi

References

1. European Central Bank. (2018). The Revised Payment Services Directive (PSD2). Frankfurt am Main:

ECB.

2. European Banking Authority. (2019). Thematic Report on the Impact of FinTech on Payment Institutions’

and E-Money Institutions’ Business Models. Paris: EBA.

3. McKinsey & Company. (2023). On the Cusp of the Next Payments Era: Future Opportunities for Banks.

The 2023 McKinsey Global Payments Report.

4. O‘zbekiston Respublikasi Markaziy banki. (2025). 2024-yil uchun yillik hisobot. Toshkent.

5. O‘zbekiston Respublikasi Markaziy banki. (2026). 2025-yil uchun yillik hisobot. Toshkent.

6. Claessens, S., & Laeven, L. (2004). What drives bank competition? Some international evidence. Journal

of Money, Credit and Banking, 36(3), 563–583. https://doi.org/10.1353/mcb.2004.0044

7. OECD. (2023). Shifting from Open Banking to Open Finance: Results from the 2022 OECD Survey on

Data Sharing Frameworks. OECD Business and Finance Policy Papers, No. 24. Paris: OECD Publishing.

https://doi.org/10.1787/9f881c0c-en

Downloads

Published

2025-03-11

How to Cite

Karimov, O. (2025). RAQAMLI INFRATUZILMA VA API INTEGRATSIYASI ORQALI BANKLARARO RAQOBATNI KUCHAYTIRISH. GREEN ECONOMY AND DEVELOPMENT, 3. https://doi.org/10.5281/zenodo.21358729
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