Xususiy banklar faoliyatini rivojlantirishda raqamli texnologiyalarning moliya bozoriga ta’siri

Xususiy banklar faoliyatini rivojlantirishda raqamli texnologiyalarning moliya bozoriga ta’siri

##article.authors##

  • Asilbek Abduqahhorov

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https://doi.org/10.5281/zenodo.17136214

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Raqamli bank, fintech, blokcheyn, moliya bozori, innovatsiya, xususiy banklar.

##article.abstract##

Ushbu maqolada O‘zbekistonda xususiy banklar faoliyatini rivojlantirishda raqamli texnologiyalarning
ahamiyati va ularning moliya bozoriga ta’siri tahlil qilingan. So‘nggi yillarda bank xizmatlarining onlayn ko‘rinishga
o‘tishi, mobil ilovalar, elektron to‘lov tizimlari va fintech yechimlari mijozlarga tezkor hamda qulay xizmat ko‘rsatishni
ta’minlamoqda. Natijada moliya bozorida raqobat kuchayib, banklarning samaradorligi ham ortmoqda

##submission.authorBiography##

Asilbek Abduqahhorov


O‘zbekiston Respublikasi Bank-moliya akademiyasi
“Korporativ moliya va qimmatli qog‘ozlar bozori” mutaxassisligi magistranti

##submission.citations##

1. Arner D.W., Barberis J. & Buckley R.P. (2016). The Evolution of Fintech: A New Post-Crisis Paradigm? Georgetown

Journal of International Law, 47(4), pp.1271–1319.

2. King B. (2018). Bank 4.0: Banking Everywhere, Never at a Bank. Singapore: Marshall Cavendish.

3. Central Bank of the Republic of Uzbekistan (CBU) (2023). Annual Reports and Statistical Data. Tashkent.

4. International Monetary Fund (IMF) (2021). Uzbekistan: Financial Sector Assessment Program. Washington, D.C.

5. Kamolov B. (2022). “O‘zbekistonda raqamli banklar faoliyatining rivojlanish istiqbollari.” Bank-moliya akademiyasi ilmiy

jurnali, 3(2), pp.45–53.

6. Mamadiyarov Z.T. (2021) Risk Management in the Remote Provision of Banking Services in the Conditions of Digital

Transformation of Banks. ICFNDS 2021: The 5th International Conference on Future Networks & Distributed Systems

December 2021, pp 311–317.

7. PricewaterhouseCoopers (PwC) (2020). The Future of Banking is Digital: Global Banking Survey. London.

8. World Bank (2022). Digital Financial Services in Central Asia: Opportunities and Challenges. Washington, D.C.: World

Bank Group.

9. Mamadiyarov Z., & Karimov K. (2024). TIJORAT BANKLARIDA KREDIT RISKI VA UNI BOSHQARISH USULLARI.

Страховой рынок Узбекистана, 1(6), 57–60.

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##submissions.published##

2025-09-01
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