RAQAMLI BANK XIZMATLARI BOZORINING O‘ZIGA XOS XUSUSIYATLARI VA BANKLARARO RAQOBATNING YANGI SHAKLLARI
DOI:
https://doi.org/10.5281/zenodo.21057749Ключевые слова:
raqamli bank xizmatlari, banklararo raqobat, ko‘p tomonlama platforma, tarmoq effekti, FinTech, neobank, BigTech, ekotizim raqobati, ma’lumotlar raqobati, CBDC, Open Banking.Аннотация
Ushbu maqolada raqamli bank xizmatlari bozorining o‘ziga xos xususiyatlari va ushbu
bozorda banklararo raqobatning yangi shakllari nazariy va amaliy jihatdan tahlil qilingan. Tadqiqotda ko‘p
tomonlama tarmoq effektlari, past chegara xarajatlari, ma’lumotlarning strategik ahamiyati, mijoz o‘tish
xarajatining pasayishi, geografik chegaralarning yo‘qolishi, regulyatorlik asimmetriyasi kabi xususiyatlar va ular
asosida shakllanayotgan platforma, ma’lumot, ekotizim, tezlik va ishonch raqobati shakllari o‘rganilgan. Muallif
tomonidan O‘zbekiston bank tizimi uchun amaliy tavsiyalar berilgan.
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