INNOVATSION BANK EKOTIZIMLARINING TIJORAT BANKLARI RIVOJLANISHIDAGI ROLI

Hasan Aliyev

doi:10.5281/zenodo.18260380

INNOVATSION BANK EKOTIZIMLARINING TIJORAT BANKLARI RIVOJLANISHIDAGI ROLI

##article.authors##

Aliyev Hasan Rayimjonovich

##plugins.pubIds.doi.readerDisplayName##:

https://doi.org/10.5281/zenodo.18260380

##article.subject##:

innovatsion bank ekotizimi, raqamli transformatsiya, fintech integratsiyasi, Open Banking, moliyaviy inklyuziya, O‘zbekiston bank sektori

##article.abstract##

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

Биография автора

Aliyev Hasan Rayimjonovich

Z.M. Bobur nomidagi Andijon davlat universiteti mustaqil tadqiqotchisi,
“University of economy and pedagogy” NOTM ilmiy bo’lim xodimi

Библиографические ссылки

Moore, J. F. (1993). Predators and prey: A new ecology of competition. Harvard Business Review, 71(3), 75–86.

Gawer, A., & Cusumano, M. A. (2014). Industry platforms and ecosystem innovation. Journal of Product Innovation

Management, 31(3), 417–433.

Chesbrough, H. (2003). Open Innovation: The New Imperative for Creating and Profiting from Technology. Boston:

Harvard Business School Press.

Rogers, E. M. (2003). Diffusion of Innovations (5th ed.). New York: Free Press.

Puschmann, T. (2017). Fintech. Business & Information Systems Engineering, 59(1), 69–76.

Zachariadis, M., & Ozcan, P. (2016). The API economy and digital transformation in financial services. SWIFT Institute

Working Paper.

Arner, D. W., Barberis, J. N., & Buckley, R. P. (2016). The evolution of fintech: A new post-crisis paradigm? Georgetown

Journal of International Law, 47(4), 1271–1319.

World Bank Group. (2022). Digital Financial Inclusion. – URL: https://www.worldbank.org (murojaat sanasi: 15-01-

.

OECD. (2021). Digital Transformation in Financial Markets. – URL: https://www.oecd.org (murojaat sanasi: 15-01-

.

O‘zbekiston Respublikasi Markaziy banki. (2023). Raqamli moliya va to‘lov tizimlari bo‘yicha rasmiy hisobotlar. – URL:

https://www.cbu.uz (murojaat sanasi: 15-01-2026).

Abdullayev, O. O. (2020). Raqamli iqtisodiyot sharoitida moliya tizimini rivojlantirish masalalari. Iqtisodiyot va

innovatsion texnologiyalar ilmiy elektron jurnali, 4-son.

Xolmuradov, B. E. (2021). Fintex xizmatlarining bank tizimiga ta’siri va rivojlanish istiqbollari. “Iqtisodiyot va ta’lim”

jurnali, 2-son, 45–50.

INNOVATSION BANK EKOTIZIMLARINING TIJORAT BANKLARI RIVOJLANISHIDAGI ROLI

INNOVATSION BANK EKOTIZIMLARINING TIJORAT BANKLARI RIVOJLANISHIDAGI ROLI

##article.authors##

##plugins.pubIds.doi.readerDisplayName##:

##article.subject##:

##article.abstract##

Биография автора

Aliyev Hasan Rayimjonovich

Библиографические ссылки

Загрузки

##submissions.published##

##issue.issue##

##section.section##

Лицензия