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Raqamli Bank Xizmatlarining Jadal Rivojlanishi Sharoitida O‘Zbekiston Bank Tizimida Raqobat Indeksi O‘Zgarishi Va Uning Omilli Tahlili

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  • Odiljon Karimov

Abstract

Ushbu maqolada 2016–2025–yillarda raqamli transformatsiyaning O‘zbekiston bank tizimidagi raqobatgata’siri tahlil qilinadi. HHI va Lerner indekslarining pasayishi bozor konsentratsiyasining izchil kamayganini ko‘rsatadi.Raqamli banklar, mobil banking, QR-to‘lovlar hamda fintech xizmatlarining kengayishi yirik banklar ustunligini sezilarlidarajada qisqartirib, raqobat muhitini kuchaytirdi. Tadqiqotda HHI va Lerner indekslari dinamikasi asosida raqobatningmiqdoriy bahosi amalga oshirildi. Mobil banking, QR-to‘lovlar va fintech ko‘rsatkichlarining ta’siri omilli regressiya modeliyordamida aniqlangan.

Suggested Citation

  • Odiljon Karimov, 2025. "Raqamli Bank Xizmatlarining Jadal Rivojlanishi Sharoitida O‘Zbekiston Bank Tizimida Raqobat Indeksi O‘Zgarishi Va Uning Omilli Tahlili," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 3(12), December.
    • Handle: RePEc:teu:ged000:v:3:y:2025:i:12:id:9200
    DOI: 10.5281/zenodo.18639067
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