TIJORAT BANKLARINING RAQAMLI TRANSFORMATSIYASI: AN'ANAVIY BANKING TIZIMIDAN NEOBANKLARGA O'TISH MUAMMOLARI VA ISTIQBOLLARI
TIJORAT BANKLARINING RAQAMLI TRANSFORMATSIYASI: AN'ANAVIY BANKING TIZIMIDAN NEOBANKLARGA O'TISH MUAMMOLARI VA ISTIQBOLLARI
Ushbu maqolada tijorat banklarining raqamli transformatsiya jarayoni, an’anaviy banking tizimidanneobanklarga o‘tishning iqtisodiy va texnologik jihatlari tadqiq etiladi. Tadqiqotda O‘zbekiston, Rossiya Federatsiyasi,Qozog‘iston va Yevropa Ittifoqi mamlakatlarining neobank rivojlanish tajribasi qiyosiy tahlil usulida o‘rganiladi. IMRADmetodologiyasi asosida tuzilgan ushbu maqola raqamli transformatsiyaning asosiy haydovchi kuchlarini, an’anaviybanklarning tarkibiy cheklovlarini, neobanklarning raqobat afzalliklarini va O‘zbekiston sharoitida yuzaga keladigan o‘zigaxos muammolarni aniqlaydi. Tadqiqot natijalari shuni ko‘rsatadiki, O‘zbekiston tijorat banklari 2019–2024-yillar oralig‘idaraqamli xizmatlar hajmini 340% ga oshirgan bo‘lsa-da, neobank formatiga to‘liq o‘tish uchun me’yoriy-huquqiy muhit,infratuzilma va kadrlar salohiyati sohasida yechilmagan muammolar saqlanib qolmoqda. Maqola tijorat banklariningraqamli transformatsiyasini jadallashtirishga qaratilgan siyosiy tavsiyalar bilan yakunlanadi
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