MASOFAVIY BANK XIZMATLARINING ILMIY-NAZARIY ASOSLARI VA ILGʻOR XORIJ TAJRIBASI
DOI:
https://doi.org/10.5281/zenodo.19207217Keywords:
masofaviy bank xizmatlari, internet-banking, mobil banking, fintech, raqamli transformatsiya, Open Banking, CBDC, moliyaviy inklyuzivlik, O‘zbekiston bank tizimiAbstract
Masofaviy bank xizmatlari (MBX) so‘nggi yillarda global moliyaviy tizimning muhim tarkibiy qismiga aylanib,
bank xizmatlarini ko‘rsatish jarayonida raqamli texnologiyalardan foydalanish darajasini sezilarli darajada oshirdi. Mazkur
tadqiqotda 2020–2026-yillar davomida masofaviy bank xizmatlarining rivojlanish tendensiyalari, ularning nazariy asoslari
hamda ilg‘or xorijiy tajribalar qiyosiy tahlil asosida o‘rganildi. Tadqiqot jarayonida texnologiyani qabul qilish modeli (TAM),
moliyaviy inklyuzivlik nazariyasi, innovatsiyalar diffuziyasi konsepsiyasi hamda Basel III doirasidagi moliyaviy barqarorlik
tamoyillari metodologik asos sifatida qo‘llanildi.
Maqolada AQSh, Xitoy, Hindiston, Janubiy Koreya, Singapur va Buyuk Britaniya kabi davlatlarning masofaviy
bank xizmatlari sohasidagi tajribasi tahlil qilinib, ularning rivojlanish omillari hamda raqamli moliyaviy infratuzilmani
shakllantirishdagi institutsional mexanizmlari yoritildi. Tadqiqot natijalari shuni ko‘rsatadiki, O‘zbekistonda masofaviy bank
xizmatlari jadal rivojlanayotgan bo‘lsa-da, moliyaviy inklyuzivlik darajasi, raqamli infratuzilmaning rivoji hamda fintech
ekotizimi bo‘yicha hali ham muayyan muammolar mavjud
References
Oʻzbekiston Respublikasi Markaziy banki. (2020–2025). Bank tizimining yillik statistik toʻplamlari. – Toshkent.
Davis, F.D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS
Quarterly, 13(3), 319–340.
Venkatesh, V., Morris, M.G., Davis, G.B., & Davis, F.D. (2012). Consumer acceptance and use of information
technology: Extending the unified theory. MIS Quarterly, 36(1), 157–178.
Sharma, S.K., & Govindaluri, S.M. (2020). Empirical model of mobile banking adoption. Journal of Enterprise
Information Management, 33(3), 557–580.
Marakarimi, M., Abdullah, M.A., & Shukor, N.A. (2021). A meta-analysis of mobile banking adoption. Journal of
Financial Services Marketing, 26(4), 231–248.
Al-Otaibi, S., Al-Zahrani, A., & Alnaser, F. (2022). UTAUT2 model of mobile banking adoption in Saudi Arabia.
International Journal of Financial Studies, 10(3), 71.
Demirguc-Kunt, A., Klapper, L., Singer, D., & Ansar, S. (2022). The Global Findex Database 2021. World Bank Group.
Ozili, P. K. (2021). Financial inclusion and fintech in Africa: A review. AERC Working Paper.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 MUHANDISLIK VA IQTISODIYOT
This work is licensed under a Creative Commons Attribution 4.0 International License.