BANKLARDA CHAKANA KREDITLASH JARAYONLARINI RAQAMLASHTIRISH TARTIBI
DOI:
https://doi.org/10.5281/zenodo.18720162Keywords:
raqamli kreditlash, bank transformatsiyasi, avtomatlashtirish, sun’iy intellekt, Big Data, blokcheyn, kiberxavfsizlik, chakana bank xizmatlari, kredit riski, jarayonlarni optimallashtirishAbstract
Ushbu maqolada banklarda chakana kreditlash jarayonlarini raqamlashtirishning zamonaviy tendensiyalari,
asosiy bosqichlari hamda iqtisodiy samaradorligi kompleks ilmiy yondashuv asosida tahlil qilingan. Tadqiqot natijalari
shuni ko‘rsatadiki, raqamli kreditlash tizimlari vaqt va moliyaviy resurslardan samarali foydalanish, kredit portfeli hajmini
kengaytirish hamda mijozlar qoniqish darajasini oshirishga xizmat qiladi. Shu bilan birga, ma’lumotlar xavfsizligini
ta’minlash, kiberxavfsizlik bilan bog‘liq omillarni boshqarish va kredit portfeli sifatini barqaror rivojlantirish zarurati
mavjudligi aniqlangan. Xulosa qismida banklarda raqamli transformatsiyani samarali amalga oshirish uchun institutsional,
texnologik va risk-menejment yo‘nalishlari bo‘yicha ilmiy asoslangan strategik takliflar ishlab chiqilgan
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