RAQAMLASHTIRISH SHAROITIDA TIJORAT BANKLARI FAOLIYATINING TRANSFORMATSIYASI
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https://doi.org/10.5281/zenodo.18838355##semicolon##
raqamlashtirish, bank transformatsiyasi, tijorat banklari, fintex, aktivlar sifati, moliyaviy barqarorlik, riskmenejment, operatsion samaradorlik.##article.abstract##
Mazkur maqolada raqamlashtirish jarayonlarining tijorat banklari faoliyatiga ta’siri va transformatsiya
yo‘nalishlari tahlil qilinadi. Raqamli iqtisodiyot sharoitida bank xizmatlarini modernizatsiya qilish, masofaviy xizmatlar
ulushining ortishi, fintex texnologiyalarining joriy etilishi hamda boshqaruv tizimining avtomatlashtirilishi banklar faoliyatining
yangi bosqichga o‘tishini taqozo etmoqda. Tadqiqotda bank transformatsiyasining nazariy asoslari, uning moliyaviy
samaradorlik, operatsion xarajatlar va risk-menejment tizimiga ta’siri o‘rganiladi. Shuningdek, raqamlashtirishning aktivlar
sifati va moliyaviy barqarorlik ko‘rsatkichlariga ta’siri ilmiy jihatdan asoslab beriladi
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