SUG‘URTA BOZORI FAOLIYATINI RAQAMLI TEXNOLOGIYALAR ASOSIDA TRANSFORMATSIYALASH VA UNING RAQOBATBARDOSHLIGINI OSHIRISH MASALALARI
DOI:
https://doi.org/10.5281/zenodo.17576634Keywords:
Sug‘urta bozori, raqamli texnologiyalar, sun’iy intellekt, blokcheyn, insurtech, raqobatbardoshlik, transformatsiya, iqtisodiy samaradorlik, O‘zbekistonAbstract
Mazkur maqolada O‘zbekiston sug‘urta bozorini raqamli texnologiyalar asosida transformatsiya qilish
masalalari o‘rganilgan. Sug‘urta sohasida sun’iy intellekt, blokcheyn, katta ma’lumotlar (big data), bulutli servislar va mobil
ilovalarning tatbiqi tahlil qilindi. Tadqiqotda xalqaro va milliy tajribalar solishtirilib, raqamli xizmatlar ulushi va sug‘urta
mukofotlari hajmi o‘rtasidagi bog‘liqlik korrelyatsion-regression tahlil yordamida aniqlangan. Natijalarga ko‘ra, raqamli
xizmatlarning ulushi 1 foizga oshirilganda sug‘urta mukofotlari hajmi o‘rtacha 0,7 foizga ko‘payishi qayd etildi. SWOT
tahlil orqali milliy sug‘urta bozorining kuchli va zaif tomonlari, imkoniyatlari va tahdidlari belgilandi. Maqolada texnologik
infratuzilmani rivojlantirish, davlat tomonidan qo‘llab-quvvatlash, kadrlar malakasini oshirish va xalqaro tajribalarni
adaptatsiya qilish bo‘yicha takliflar ishlab chiqildi
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