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Raqamli Bank Tizimlari Va Moliyaviy Texnologiyalar (Fintech)Ning An’Anaviy Banklarga Ta’Siri

Author

Listed:
  • Bexzodjon Shermuxamedov
  • Fazilat Qosimova
  • Busalima Abdumalikova

Abstract

Ushbu maqola raqamli bank tizimlari va moliyaviy texnologiyalar (FinTech)ning an’anaviy bank institutlarigako‘p qirrali ta’sirini o‘rganadi. Tadqiqot O‘zbekiston misolida 2021-2024-yillar davomida naqd pulsiz to‘lovlar hajmi, internetbankingfoydalanuvchilari soni, kredit portfeli sifati va bank sektorining umumiy moliyaviy ko‘rsatkichlari dinamikasiniempirik tahlil qiladi. Natijalar shuni ko‘rsatadiki, raqamli kanallarning jadal rivojlanishi, bir tomondan, operatsionxarajatlarni kamaytirish va moliyaviy inklyuzivlikni kengaytirish imkonini bersa, ikkinchi tomondan, kiberxavfsizlik, tartibgasolish va qayta malaka oshirish muammolarini keskinlashtirmoqda. Maqolada strategik hamkorlik va raqamli adaptatsiyamexanizmlari asosida an’anaviy banklar uchun amaliy tavsiyalar ham ilgari surilgan.

Suggested Citation

  • Bexzodjon Shermuxamedov & Fazilat Qosimova & Busalima Abdumalikova, 2026. "Raqamli Bank Tizimlari Va Moliyaviy Texnologiyalar (Fintech)Ning An’Anaviy Banklarga Ta’Siri," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 4, April.
    • Handle: RePEc:teu:ged000:v:4:y:2026:id:10605
    DOI: 10.5281/zenodo.20342334
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