TIJORAT BANKLARIDA "OPEN BANKING" AMALIYOTINI TAKOMILLASHTIRISH
Article Sidebar
Main Article Content
Аннотация:
Ushbu tadqiqotda tijorat banklarida Open Banking (ochiq bank tizimi) amaliyotining joriy etilishi va uni takomillashtirish zarurati chuqur tahlil qilinadi. Raqamli iqtisodiyotning jadallashuvi, moliyaviy texnologiyalar (fintech) rivoji va mijozlarning interaktiv xizmatlarga bo‘lgan talabining oshishi fonida Open Banking global moliya sektorida asosiy transformatsion yo‘nalishlardan biriga aylandi. So‘nggi yillarda Buyuk Britaniya, Yevropa Ittifoqi, Singapur va Xitoy kabi davlatlarda Open Banking nafaqat bank xizmatlarini avtomatlashtirish, balki ularni moslashtirish, personalizatsiya qilish va mijoz ishonchini oshirishda samarali mexanizm sifatida e’tirof etilmoqda. Open Bankingning asosiy mohiyati – mijoz roziligi asosida bank ma’lumotlarini ishonchli uchinchi tomon tashkilotlari bilan almashish orqali mijozlar uchun yangi xizmatlar yaratishdir. Ushbu tizimda API (Application Programming Interface) texnologiyalari muhim rol o‘ynaydi, bu esa ma’lumotlar oqimini xavfsiz, tez va moslashtirilgan tarzda tashkil etishga imkon beradi .
Article Details
Как цитировать:
Библиографические ссылки:
European Commission. (2015). Directive (EU) 2015/2366 on payment services in the internal market (PSD2). Retrieved from https://eur-lex.europa.eu
Open Banking Implementation Entity (OBIE). (2023). Open Banking Standards and Guidelines. Retrieved from https://www.openbanking.org.uk
Financial Conduct Authority. (2022). The future of Open Finance. Retrieved from https://www.fca.org.uk
Karimov, D. (2022). Open Banking tizimini O‘zbekiston bank tizimiga integratsiyalash muammolari. Iqtisodiyot va moliya jurnal, 3(1), 45-52.
Xo‘jayev, R. & Nishonov, B. (2023). Tijorat banklarida raqamli transformatsiya strategiyalari. Bank ishi va moliya bozori jurnali, 4(2), 18–27.
World Bank. (2021). Open Banking: Global Progress and Key Enablers. Retrieved from https://www.worldbank.org
O‘zbekiston Respublikasi Markaziy banki. (2023). Moliyaviy texnologiyalarni rivojlantirish konsepsiyasi (2023–2025 yillar). Retrieved from https://cbu.uz
KPMG. (2021). The future of Open Banking in emerging markets. Retrieved from https://home.kpmg
Accenture. (2022). How banks can thrive in an Open Banking world. Retrieved from https://www.accenture.com
Gafurov, A. (2021). Ochiq bank tizimining xalqaro amaliyoti va O‘zbekiston uchun imkoniyatlari. Yosh olimlar ilmiy to‘plami, 2(6), 33–38.