BANKLARDA RAQAMLASHTIRISH JARAYONINING MIJOZLAR QONIQISH DARAJASIGA TA’SIRI

Shuxrat Ro‘ziboyev

doi:10.5281/zenodo.18618262

BANKLARDA RAQAMLASHTIRISH JARAYONINING MIJOZLAR QONIQISH DARAJASIGA TA’SIRI

##article.authors##

Shuxrat Ro‘ziboyev

##semicolon##

https://doi.org/10.5281/zenodo.18618262

##semicolon##

raqamli transformatsiya, tijorat banklari, mijozlar qoniqishi, moliyaviy xizmatlar, innovatsion texnologiyalar, bank samaradorligi.

##article.abstract##

Mazkur maqolada tijorat banklarida raqamlashtirish jarayonining moliyaviy xizmatlar sifati hamda mijozlar
qoniqish darajasiga ta’siri ilmiy jihatdan tahlil qilinadi. Raqamli texnologiyalar, jumladan, mobil bank, internet-banking,
avtomatlashtirilgan xizmatlar hamda sun’iy intellekt asosidagi yechimlarning bank xizmatlari tezkorligi, qulayligi va
shaffofligini oshirishdagi o‘rni o‘rganildi. Tadqiqot natijalari raqamlashtirish darajasi oshgani sari mijozlar qoniqishi
ko‘rsatkichlari ham sezilarli darajada yaxshilanishini ko‘rsatdi. Shuningdek, raqamli transformatsiya banklar uchun
raqobatbardoshlikni oshiruvchi muhim omil sifatida asoslandi.

##submission.authorBiography##

Shuxrat Ro‘ziboyev

Aksiyadorlik tijorat banki “Tengebank” Novza bank xizmatlari markazi katta menejeri

##submission.citations##

1. World Bank. (2024). Digital financial services and development. https://documents1.worldbank.org/curated/

en/099031924192524293/pdf/P180107173682d0431bf651fded74199f10.pdf

2. Porter, M. E. (2020). Competitive Advantage in the Digital Economy. New York: Free Press.

3. Hasan, I., & De Renzis, T. (2021). The impact of digital banking on customer satisfaction and loyalty. Journal of

Banking Studies, 15(3), 45–62.

4. Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the Technology Acceptance Model: Four longitudinal

field studies. Management Science, 46(2), 186–204.

5. Brynjolfsson, E., & McAfee, A. (2017). The Second Machine Age: Work, Progress, and Prosperity in a Time of Brilliant

Technologies. New York: W. W. Norton & Company.

6. Gomber, P., Koch, J. A., & Siering, M. (2017). Digital finance and FinTech: Current research and future research

directions. Journal of Business Economics, 87(5), 537–580.

7. Demirgüç-Kunt, A., Martinez Peria, M. S., & Tressel, T. (2020). The global rise of digital financial services. World Bank

Economic Review, 34(1), 1–25.

BANKLARDA RAQAMLASHTIRISH JARAYONINING MIJOZLAR QONIQISH DARAJASIGA TA’SIRI

BANKLARDA RAQAMLASHTIRISH JARAYONINING MIJOZLAR QONIQISH DARAJASIGA TA’SIRI

##article.authors##

##semicolon##

##semicolon##

##article.abstract##

##submission.authorBiography##

Shuxrat Ro‘ziboyev

##submission.citations##

##submission.downloads##

##submissions.published##

##submission.howToCite##

##issue.issue##

##section.section##

##submission.license##