INNOVATSION BANK EKOTIZIMLARINING TIJORAT BANKLARI RIVOJLANISHIDAGI ROLI
DOI:
https://doi.org/10.5281/zenodo.18260380Keywords:
innovatsion bank ekotizimi, raqamli transformatsiya, fintech integratsiyasi, Open Banking, moliyaviy inklyuziya, O‘zbekiston bank sektoriAbstract
Raqamli texnologiyalar bank faoliyatining mazmuni hamda uni tashkil etish mexanizmlarini tubdan
o‘zgartirmoqda. Ushbu sharoitda banklar alohida moliyaviy institut sifatida emas, balki fintech kompaniyalari,
raqamli platformalar va texnologik xizmat ko‘rsatuvchilar bilan o‘zaro bog‘langan integratsiyalashgan tizimlar sifatida
rivojlanmoqda. Mazkur maqolada tijorat banklari faoliyatida innovatsion bank ekotizimlarining shakllanishi ushbu
transformatsiyaning muhim omili sifatida tahlil qilinadi.
Tadqiqot O‘zbekiston bank sektori misolida olib borilib, raqamli bank xizmatlari rivojlanishining dinamikasi, bank–fintech
hamkorliklarining kengayishi hamda API asosidagi integratsiyalarning amaliy natijalari o‘rganiladi. Tahlil natijalariga
ko‘ra, innovatsion ekotizim yondashuvi bank xizmatlarining funksional imkoniyatlarini kengaytirishi, mijozlar bilan
o‘zaro munosabatlarni soddalashtirishi va moliyaviy xizmatlardan foydalanish darajasini oshirishi aniqlangan. Olingan
xulosalar bank tizimini modernizatsiya qilish va barqaror rivojlantirishda ekotizimga asoslangan yondashuvning strategik
ahamiyatga ega ekanini ko‘rsatadi
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