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O‘Zbekistonda Masofaviy Bank Xizmatlarining Iqtisodiy Va Ijtimoiy Barqarorlikka Ta’Siri

Author

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  • Asila Xolmatova

Abstract

So‘nggi yillarda raqamli texnologiyalarning tez rivojlanib ketishi nafaqat moliyaviy sohada, balki globalbank tizimida ham muhim strukturaviy o‘zgarishlarni keltirib chiqarmoqda. Moliyaviy xizmatlarni taqdim etish va ulardanfoydalanish shakllarini tubdan o‘zgartirdi, desak xato bo‘lmaydi. Ayniqsa, O‘zbekiston bank tizimida mobil banking,internet-banking va raqamli to‘lov platformalarining keng joriy etilishi so‘nggi yillarda iqtisodiy samaradorlikni oshirish,moliyaviy inklyuziyani ta’minlash hamda ijtimoiy barqarorlikni mustahkamlashda muhim omil bo‘lib xizmat qilmoqda. Shunuqtayi nazardan, ushbu tadqiqotning maqsadi 2024–2025-yillar ma’lumotlari asosida O‘zbekistonda masofaviy bankxizmatlarining iqtisodiy va ijtimoiy barqarorlikka ta’sirini kompleks baholashdan iborat. Tadqiqotda aralash metodologiyaqo‘llanilib, birlamchi va ikkilamchi ma’lumotlar uyg‘unlashtirildi. Birlamchi ma’lumotlar 2024–2025-yillarda shaharva qishloq hududlarida yashovchi jismoniy shaxslar hamda kichik biznes subyektlarini qamrab olgan 500 nafar bankmijozlari o‘rtasida o‘tkazilgan tuzilmaviy so‘rovnoma natijalari asosida yig‘ildi. So‘rovnoma masofaviy bank xizmatlaridanfoydalanish chastotasi, mijozlar qoniqishi va ushbu xizmatlarga bo‘lgan ishonchni aniqlashga qaratildi. Ikkilamchima’lumotlar esa O‘zbekiston Respublikasi Markaziy bankining 2024–2025-yillardagi rasmiy statistik hisobotlari vaxalqaro moliyaviy institutlarning bank sektori bo‘yicha tahliliy materiallaridan olindi. Tahlil jarayonida tavsifiy statistikayordamida mijozlarning xulq-atvori umumlashtirildi, regressiya tahlili esa masofaviy bank xizmatlaridan foydalanishdarajasi bilan iqtisodiy barqarorlik, xususan, uy xo‘jaliklari jamg‘armalari va kichik biznes subyektlarining pul oqimlario‘rtasidagi bog‘liqlikni aniqlashga xizmat qildi. Natijalar shuni ko‘rsatdiki, masofaviy bank xizmatlaridan foydalanishiqtisodiy barqarorlikka sezilarli va ijobiy ta’sir ko‘rsatadi. So‘rovnoma ma’lumotlariga ko‘ra, respondentlarning 72 foizimobil bankingdan, 65 foizi esa internet-bankingdan muntazam foydalanadi va shahar hududlarida bu ko‘rsatkichlaryuqoriroqdir. Shu bilan birga, qishloq hududlaridagi foydalanuvchilarning 68 foizi masofaviy bank xizmatlari moliyaviyxizmatlarga kirish imkoniyatlarini sezilarli darajada kengaytirganini qayd etdi.

Suggested Citation

  • Asila Xolmatova, 2026. "O‘Zbekistonda Masofaviy Bank Xizmatlarining Iqtisodiy Va Ijtimoiy Barqarorlikka Ta’Siri," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 4(2), February.
    • Handle: RePEc:teu:ged000:v:4:y:2026:i:2:id:9052
    DOI: 10.5281/zenodo.18498413
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