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Bank Sektorida Raqamli Texnologiyalar Va Xarajat Samaradorligi: Xalqaro Tajriba Asosida Ekonometrik Baholash

Author

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  • Durdona Masharipova

Abstract

Mazkur tadqiqot zamonaviy tijorat banklarida raqamli texnologiyalar orqali operatsion xarajatlarnioptimallashtirish imkoniyatlarini kompleks o‘rganishga bag‘ishlangan. Tadqiqotning asosiy maqsadi raqamli banktexnologiyalari va fintech yechimlarining operatsion xarajatlar dinamikasiga ta’sirini miqdoriy baholash, shuningdek,O‘zbekiston tijorat banklari uchun amaliy tavsiyalar ishlab chiqishdan iborat. Tadqiqot obyekti sifatida JPMorgan Chase,DBS Bank, BBVA, Sberbank va TBC Bank kabi yetakchi xalqaro kredit tashkilotlari, shuningdek, O‘zbekiston tijorat banklarifaoliyati ko‘rib chiqilgan.Metodologik asos sifatida tizimli tahlil, korrelyatsion-regression tahlil, ekonometrik modellashtirish va prognozlashusullaridan foydalanilgan. Ishlab chiqilgan chiziqli regressiya modeli (Y = β₀ + β₁X₁ + β₂X₂ + ε) orqali raqamli investitsiyalarhajmi va onlayn operatsiyalar ulushining operatsion xarajatlarga ta’siri miqdoriy jihatdan aniqlangan. Tahlil natijalari shuniko‘rsatdiki, raqamli texnologiyalarga yo‘naltirilgan investitsiyalarning 10 foizga oshishi operatsion xarajatlarni o‘rtacha4,2–6,8 foizga kamaytiradi. Onlayn operatsiyalar ulushining 1 foizga oshishi esa xarajatlarni 0,31 foizga qisqartiradi.Xalqaro banklar tajribasi shuni ko‘rsatadiki, rivojlangan raqamli infratuzilma banklarda xarajat samaradorligini 30–45 foizgayaxshilash imkonini beradi.Tadqiqotning amaliy ahamiyati shundaki, unda O‘zbekiston tijorat banklari uchun raqamli transformatsiya yo‘l xaritasi,investitsiya ustuvorliklari va xarajatlarni optimallashtirish strategiyalari taklif etilgan. Tadqiqot natijalari bank menejerlari,moliyaviy siyosat ishlab chiquvchilar va akademik doira vakillari uchun manfaatli bo‘lishi mumkin

Suggested Citation

  • Durdona Masharipova, 2026. "Bank Sektorida Raqamli Texnologiyalar Va Xarajat Samaradorligi: Xalqaro Tajriba Asosida Ekonometrik Baholash," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 4(6), June.
    • Handle: RePEc:teu:ged000:v:4:y:2026:i:6:id:11142
    DOI: 10.5281/zenodo.20761005
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