CHAKANA BANK XIZMATLARINI RAQAMLASHTIRISHNING XORIJ TAJRIBASI
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raqamli bank¬xizmatlar, raqamlashtirish, bank transformatsiyasi, moliyaviy inklyuziya, fintech ekosistemaAbstrak
Xalqaro tajribada bank xizmatlarini raqamlashtirish — ya’ni analog (ofisga tashrif, kertasimon hujjatlar) shakldan onlayn, mobil va platform asosida xizmat ko‘rsatishga o‘tish — banklar hamda moliya tizimida muhim o‘zgarishlarni boshdan kechirmoqda. Ushbu maqolada banklarning raqamli transformatsiyasi bosqichlari, xorijiy tajribada yuzaga kelgan asosiy omillar, imkoniyatlar hamda xavf-xatarlar tahlil qilinadi. Shuningdek, rivojlangan va rivojlanayotgan mamlakatlardagi bank raqamlashtirishining solishtirma jihatlari ko‘rib chiqiladi. Xorij tajribasidan olingan saboqlarni O‘zbekistondagi bank sektoriga tatbiq etish imkoniyatlari ham muhokama qilinadi.
Iqtiboslar
Cuesta C., Ruesta M., Tuesta D., Urbiola P. The digital transformation of the banking industry. BBVA Research, 2015, bet 3-10. [1]
Osei L.K., Cherkasova Y., Oware K.M. Unlocking the full potential of digital transformation in banking: a bibliometric review and emerging trend. Future Business Journal, 2023, vol. 9, Art. nr 30, bet 5-12. [2]
Singhal R., Sangeeta, Dolly, Sharma S., Garg M., Bhateja R. Banking digitalisation: an analysis of literature using bibliometric analysis. Academy of Marketing Studies Journal, 2024, vol. 28(2), bet 1-15. [3]
Manta A.G., Bădîrcea R.M., Gherțescu C., Manta L.F. How does the nexus between digitalization and banking performance drive digital transformation in Central and Eastern European Countries? Electronics, 2024, vol. 13(22):4383, bet 7-14. [4]
Khadka A. The Impact of Digital Transformation on Customer Experience in the UK Banking Sector: A Case Study of Lloyds Bank. MSc Dissertation, 2023, University X, bet 20-35. [5]
“Finance in Africa: Unlocking Investment in an Era of Digital Transformation and Climate Transition.” European Investment Bank, 2024, bet 115-120. [6]
“Why digital, ecosystem-enabled banking transformation is the way forward.” EY Insights, 2024, bet 10-18. [7]
Nguyen-Thi-Huong L. How does digital transformation impact bank performance? International Journal of Banking Studies, 2023, bet 45-60. [8]
Sowon K., Luhanga E., Cranor G.F., Fanti G., Tucker C., Gueye A. The Role of User-Agent Interactions on Mobile Money Practices in Kenya and Tanzania. arXiv, 2023, bet 3-9. [9]
Falade P.V., Ogundele G.B. Vulnerability Analysis of Digital Banks’ Mobile Applications. arXiv, 2023, bet 12-20. [10]
