BANK SEKTORIDA RAQAMLI TEXNOLOGIYALAR VA XARAJAT SAMARADORLIGI: XALQARO TAJRIBA ASOSIDA EKONOMETRIK BAHOLASH
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https://doi.org/10.5281/zenodo.20761005##article.subject##:
raqamli bank; operatsion xarajatlar; fintech; xarajat samaradorligi; regression tahlil; onlayn banking; raqamli transformatsiya; ekonometrik model; bank islohoti; O‘zbekiston##article.abstract##
Mazkur tadqiqot zamonaviy tijorat banklarida raqamli texnologiyalar orqali operatsion xarajatlarni
optimallashtirish imkoniyatlarini kompleks o‘rganishga bag‘ishlangan. Tadqiqotning asosiy maqsadi raqamli bank
texnologiyalari va fintech yechimlarining operatsion xarajatlar dinamikasiga ta’sirini miqdoriy baholash, shuningdek,
O‘zbekiston tijorat banklari uchun amaliy tavsiyalar ishlab chiqishdan iborat. Tadqiqot obyekti sifatida JPMorgan Chase,
DBS Bank, BBVA, Sberbank va TBC Bank kabi yetakchi xalqaro kredit tashkilotlari, shuningdek, O‘zbekiston tijorat banklari
faoliyati ko‘rib chiqilgan.
Metodologik asos sifatida tizimli tahlil, korrelyatsion-regression tahlil, ekonometrik modellashtirish va prognozlash
usullaridan foydalanilgan. Ishlab chiqilgan chiziqli regressiya modeli (Y = β₀ + β₁X₁ + β₂X₂ + ε) orqali raqamli investitsiyalar
hajmi va onlayn operatsiyalar ulushining operatsion xarajatlarga ta’siri miqdoriy jihatdan aniqlangan. Tahlil natijalari shuni
ko‘rsatdiki, raqamli texnologiyalarga yo‘naltirilgan investitsiyalarning 10 foizga oshishi operatsion xarajatlarni o‘rtacha
4,2–6,8 foizga kamaytiradi. Onlayn operatsiyalar ulushining 1 foizga oshishi esa xarajatlarni 0,31 foizga qisqartiradi.
Xalqaro banklar tajribasi shuni ko‘rsatadiki, rivojlangan raqamli infratuzilma banklarda xarajat samaradorligini 30–45 foizga
yaxshilash imkonini beradi.
Tadqiqotning amaliy ahamiyati shundaki, unda O‘zbekiston tijorat banklari uchun raqamli transformatsiya yo‘l xaritasi,
investitsiya ustuvorliklari va xarajatlarni optimallashtirish strategiyalari taklif etilgan. Tadqiqot natijalari bank menejerlari,
moliyaviy siyosat ishlab chiquvchilar va akademik doira vakillari uchun manfaatli bo‘lishi mumkin
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