RAQAMLI MOLIYAVIY XIZMATLAR SAMARADORLIGINI BAHOLASHNING NAZARIY ASOSLARI
DOI:
https://doi.org/10.5281/zenodo.17454940Ключевые слова:
raqamli moliyaviy xizmatlar, iqtisodiy samaradorlik, transaksion xarajatlar, uzoq to‘lqinlar nazariyasi, Triple Bottom Line.Аннотация
So‘nggi yillarda raqamli moliyaviy texnologiyalar va ular asosida taklif etilayotgan raqamli moliyaviy
xizmatlardan foydalanishning qamrovi kengaymoqda hamda mijozlar tomonidan foydalanish darajasi ham oshib
bormoqda. Bunda amaliyotga joriy etilayotgan raqamli moliyaviy xizmatlarning qanchalik samaradorlikda ishlayotganligini
aniqlash, natijada to‘gri qarorlar va yechimlar qabul qilish o‘rinlidir. Mazkur tadqiqotdan ko‘zlangan maqsad – raqamli
moliyaviy xizmatlar samaradorligini baholashga oid mavjud nazariy yondashuvlarni tahlil qilish hamda ularning amaliy
qo‘llanish imkoniyatlarini aniqlashdir. Tadqiqot jarayonida nazariy-uslubiy tahlil va qiyosiy yondashuv metodlaridan
foydalanildi. Natijada O‘zbekiston raqamli moliya bozori samaradorligini baholashning yangi metodologiyasini ishlab
chiqishda iqtisodiy samaradorlik nazariyasining neoklassik yondashuvi, transaksion xarajatlar nazariyasi, uzoq
to‘lqinlarning innovatsion nazariyasi va Triple Bottom Line (3P: People, Planet, Profit) nazariyalari asosidagi kontseptual
baza belgilandi.
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