TIJORAT BANKLARINING RAQAMLI TRANSFORMATSIYASI: AN’ANAVIY BANKING TIZIMIDAN NEOBANKLARGA O‘TISH MUAMMOLARI VA ISTIQBOLLARI
DOI:
https://doi.org/10.5281/zenodo.18811550Keywords:
raqamli transformatsiya, neobanklar, fintech, tijorat banki, ochiq banking, API integratsiya, raqamli banking, O‘zbekiston moliya tizimiAbstract
Ushbu maqolada tijorat banklarining raqamli transformatsiya jarayoni, an’anaviy banking tizimidan
neobanklarga 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. IMRAD
metodologiyasi asosida tuzilgan ushbu maqola raqamli transformatsiyaning asosiy haydovchi kuchlarini, an’anaviy
banklarning tarkibiy cheklovlarini, neobanklarning raqobat afzalliklarini va O‘zbekiston sharoitida yuzaga keladigan o‘ziga
xos muammolarni aniqlaydi. Tadqiqot natijalari shuni ko‘rsatadiki, O‘zbekiston tijorat banklari 2019–2024-yillar oralig‘ida
raqamli 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 banklarining
raqamli transformatsiyasini jadallashtirishga qaratilgan siyosiy tavsiyalar bilan yakunlanadi
References
Allen, F., Gu, X., & Jagtiani, J. (2021). A survey of fintech research and policy discussion. Review of Corporate Finance,
(3–4), 259–339. https://doi.org/10.1561/114.00000007
Arner, D. W., Barberis, J., & Buckley, R. P. (2020). FinTech, RegTech, and the reconceptualization of financial
regulation. Northwestern Journal of International Law & Business, 37(3), 371–413.
Bank for International Settlements (BIS). (2022). The rise of digital money. BIS Working Papers, No. 1025. Basel: BIS.
Christensen, C. M. (1997). The innovator’s dilemma: When new technologies cause great firms to fail. Harvard
Business Review Press.
Deloitte Insights. (2023). Digital banking maturity 2023: The state of digital banking globally. Deloitte Digital.
Demirguc-Kunt, A., Klapper, L., Singer, D., & Ansar, S. (2022). The Global Findex Database 2021: Financial inclusion,
digital payments, and resilience in the age of COVID-19. World Bank Group.
Gomber, P., Koch, J. A., & Siering, M. (2017). Digital finance and FinTech: Current research and future research
directions. Journal of Business Economics, 87(5), 537–580.
McKinsey & Company. (2023). Global banking annual review 2023: The great banking transition. McKinsey Global
Institute.
Philippon, T. (2019). The fintech opportunity. NBER Working Paper No. 22476. National Bureau of Economic Research.
Vives, X. (2019). Digital disruption in banking. Annual Review of Financial Economics, 11, 243–272.
O‘zbekiston Respublikasi Markaziy banki. (2024). Bank tizimida raqamli moliya xizmatlari to‘g‘risidagi yillik hisobot
Toshkent: O‘zbekiston Markaziy banki.
Khasanov, B., & Yuldashev, A. (2022). O‘zbekiston bank sektorining raqamlashuv darajasini kompleks baholash:
metodologiya va natijalar. Iqtisodiyot va moliya jurnali, 4(2), 45–63.
O‘zbekiston Respublikasi Moliya vazirligi. (2023). Moliyaviy savodxonlik milliy so‘rovnomasi natijalari 2023. Toshkent.
Ubaydullayev, S. (2023). O‘zbekistondagi mobil banking: MDH mamlakatlari bilan qiyosiy tahlil. Banking va moliya
tadqiqotlari, 6(1), 12–28.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 MUHANDISLIK VA IQTISODIYOT
This work is licensed under a Creative Commons Attribution 4.0 International License.