RAQAMLI TRANSFORMATSIYA SHAROITIDA KICHIK BIZNES SUBYEKTLARI UCHUN INNOVATSION BANK MAHSULOTLARINI YARATISH VA ULARNI TARG‘IB ETISHNI TAKOMILLASHTIRISH
DOI:
https://doi.org/10.5281/zenodo.21246880Keywords:
raqamli transformatsiya, kichik biznes, innovatsion bank mahsulotlari, fintech, raqamli to‘lovlar, moliyaviy inklyuziya, bank marketingi, skoring, integratsiyalashgan moliyaviy xizmatlarAbstract
Mazkur maqolada raqamli transformatsiya sharoitida kichik biznes subyektlari uchun innovatsion bank
mahsulotlarini ishlab chiqish, ularni bozorga moslashtirish va samarali targ‘ib etish masalalari ilmiy-amaliy jihatdan tahlil
qilinadi. Kichik biznes iqtisodiyotning muhim drayveri bo‘lib, uning barqaror rivojlanishi moliyaviy xizmatlardan foydalanish
imkoniyatlari, kreditlash tezligi, to‘lov infratuzilmasi, raqamli savodxonlik va bank mahsulotlarining mijoz ehtiyojlariga mosligiga
bevosita bog‘liq. Raqamli bank xizmatlari, fintech yechimlari, masofaviy identifikatsiya, skoring, integratsiyalashgan
moliyaviy xizmatlar, mobil ilovalar va sun’iy intellekt asosidagi tahliliy vositalar kichik biznes uchun bank xizmatlarini
tezkor, shaffof va qulay qilish imkonini beradi. Maqolada O‘zbekiston tajribasi, xalqaro tendensiyalar hamda banklar
uchun amaliy takliflar ishlab chiqilgan
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