Raqamli texnologiyalarning tijorat banklari samaradorligiga ta’siri
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https://doi.org/10.5281/zenodo.15570457##semicolon##
raqamli texnologiyalar, tijorat banklari, bank samaradorligi, Cost-to-Income Ratio (CIR), raqamli transformatsiya, mobil banking, sun’iy intellekt, moliyaviy inklyuziya, texnologik investitsiyalar, bank xarajatlari, raqamli moliyaviy xizmatlar, SFA, DiD, O‘zbekiston bank sektori, raqamli banklar##article.abstract##
Ushbu maqolada raqamli texnologiyalarning tijorat banklari faoliyatida joriy etilishi va ularning operatsion
samaradorlikka ta’siri empirik usullar orqali tahlil qilingan. Tadqiqotda asosiy baholash ko‘rsatkichi sifatida CIR (Costto-
Income Ratio) tanlanib, 2023-yil uchun O‘zbekistonning 10 ta banki ma’lumotlari tahlil qilindi. Banklar raqamli
texnologiyalarni joriy etganlik darajasiga ko‘ra guruhlarga ajratilgan. Natijalar shuni ko‘rsatadiki, raqamli texnologiyalarni
faol joriy qilgan banklarda CIR ko‘rsatkichi ancha past bo‘lib, bu banklarning xarajatlar samaradorligi yuqoriligini bildiradi.
Tahlil natijalariga ko‘ra, raqamli texnologiyalar darajasi bilan CIR o‘rtasida –0.985 darajasida kuchli salbiy korrelyatsiya
mavjudligi aniqlangan. Ushbu holat raqamli transformatsiyaning moliyaviy samaradorlikka ijobiy ta’sir ko‘rsatishini
tasdiqlaydi.
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