RAQAMLI TRANSFORMATSIYANING TIJORAT BANKLARI MOLIYAVIY SAMARADORLIGIGA TA’SIRINI EKONOMETRIK BAHOLASH
DOI:
https://doi.org/10.5281/zenodo.23051118Abstract
Maqolada raqamli transformatsiyaning tijorat banklari moliyaviy samaradorligiga ta’sirini ekonometrik baholashning metodik yondashuvi ishlab chiqilgan. Raqamli transformatsiya darajasini faqat mobil ilova mavjudligi bilan emas, balki masofaviy bank xizmatlari foydalanuvchilari, raqamli identifikatsiya, tranzaksiyalarning raqamli kanallarga ko‘chishi va jarayonlarning avtomatlashtirilishi orqali o‘lchash taklif etiladi. Moliyaviy samaradorlik natijaviy o‘zgaruvchilar sifatida ROA va ROE bilan, qo‘shimcha tekshiruvlarda esa xarajat-daromad nisbati bilan ifodalanadi. Modelga bank hajmi, kreditlar o‘sishi, muammoli kreditlar va kapital yetarliligi nazorat o‘zgaruvchilari sifatida kiritiladi. O‘zbekiston Markaziy bankining 2025-yildagi ochiq ma’lumotlari asosida tanlangan banklarda masofaviy bank xizmatlari foydalanuvchilari dinamikasi tahlil qilindi. Ilmiy adabiyotlarda raqamlashtirishning foydalilikka ta’siri bir xil emasligi sababli, maqolada panel ma’lumotlar uchun qat’iy effektlar (FE — bankka xos o‘zgarmas omillarni hisobga oluvchi model), barqaror standart xatolar (robust standard errors — xatoliklar tuzilmasiga nisbatan barqaror baholash) va endogenlik mavjud bo‘lganda GMM yondashuvini (umumlashtirilgan momentlar usuli) bosqichma-bosqich qo‘llash taklif etildi. Tadqiqotning ilmiy yangiligi raqamli transformatsiyaning bevosita ta’siri bilan birga operatsion samaradorlik va risk kanallari orqali bilvosita ta’sirini ajratib baholashga qaratilgan ekonometrik arxitektura taklif etilganida namoyon bo‘ladi.Keywords
raqamli transformatsiya, tijorat banki, moliyaviy samaradorlik, ROA, ROE, panel ma’lumotlar, qat’iy effektlar (FE), GMM, masofaviy bank xizmatlari, operatsion samaradorlikReferences
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. https://doi.org/10.1007/s11573-017-0852-x
He, D., Wang, Y., Wu, S., Wang, X., & Zhang, J. (2026). Banking on technology: Does FinTech improve bank performance?. The Quarterly Review of Economics and Finance, 105. https://doi.org/10.1016/j.qref.2025.102102
International Monetary Fund. Republic of Uzbekistan: Financial Sector Assessment Program – Financial System Stability Assessment. – Washington, D.C.: International Monetary Fund, 2025. – IMF Country Report No. 25/145. – 45 p. – DOI: 10.5089/9798229015103.002. – URL: https://doi.org/10.5089/9798229015103.002 (murojaat sanasi: 25.09.2026).
International Monetary Fund; World Bank. Republic of Uzbekistan: Financial Sector Assessment Program – Detailed Assessment of Observance – Basel Core Principles for Effective Banking Supervision. – Washington, D.C.: International Monetary Fund, 2025. – IMF Country Report No. 25/227. – 328 p. – DOI: 10.5089/9798229019811.002. – URL: https:// doi.org/10.5089/9798229019811.002 (murojaat sanasi: 25.09.2026).
Nguyen-Thi-Huong, L., Nguyen-Viet, H., Nguyen-Phuong, A., & Nguyen, D. V. (2023). How does digital transformation impact bank performance?. Cogent Economics & Finance, 11(1). https://doi.org/10.1080/23322039.2023.2217582
O‘zbekiston Respublikasi Markaziy banki. Markaziy bankning 2024-yil uchun hisoboti [Elektron resurs]. – URL: https:// cbu.uz/uz/publications/annual-report/ (murojaat sanasi: 25.09.2026).
O‘zbekiston Respublikasi Markaziy banki. Masofadan bank xizmatlarini ko‘rsatuvchi tizimlardan foydalanuvchilarning soni 2025-yil 1-iyun holatiga [Elektron resurs]. – 2025-yil 23-iyun. – URL: https://cbu.uz/uz/statistics/paysistem/2556502/
O‘zbekiston Respublikasi Markaziy banki. Masofadan bank xizmatlarini ko‘rsatuvchi tizimlardan foydalanuvchilarning soni 2025-yil 1-iyul holatiga [Elektron resurs]. – 2025-yil 25-iyul. – URL: https://cbu.uz/uz/statistics/paysistem/2650215/
O‘zbekiston Respublikasi Markaziy banki. Masofadan bank xizmatlarini ko‘rsatuvchi tizimlardan foydalanuvchilarning soni 2025-yil 1-oktabr holatiga [Elektron resurs]. – 2025-yil 22-oktabr. – URL: https://cbu.uz/uz/statistics/ paysistem/2941879/ (murojaat sanasi: 25.09.2026).
Vial, G. (2019). Understanding digital transformation: A review and a research agenda. The Journal of Strategic Information Systems, 28(2), 118–144. https://doi.org/10.1016/j.jsis.2019.01.003
Vives, X. (2019). Digital Disruption in Banking. Annual Review of Financial Economics, 11, 243–272. https://doi.org/10.1146/annurev-financial-100719-120854
Zhang, S. (2026). The influence of digital transformation on Chinese bank profitability performance. PLOS ONE, 21(1). https://doi.org/10.1371/journal.pone.0340249
Downloads
Published
Issue
Section
License
Copyright (c) 2026 MUHANDISLIK VA IQTISODIYOT
This work is licensed under a Creative Commons Attribution 4.0 International License.
