BANK SEKTORIDA RAQAMLI TRANSFORMATSIYA VA INNOVATSION TEXNOLOGIYALARNI JORIY ETISHNING USTUVOR YO‘NALISHLARI
Vol. 5 No. 13 (2026) 110-112
Abstract
Bugungi kunda bank tizimida raqamli transformatsiya eng muhim rivojlanish yo‘nalishlaridan biri hisoblanadi. Bunga mijozlarning mobil ilova va internet-banking orqali xizmatlardan foydalanishga bo‘lgan talabi, naqd pulsiz to‘lovlarning kengayishi hamda fintech kompaniyalari bilan raqobat kuchaygani sabab bo‘lmoqda. Raqamli texnologiyalar banklarga xizmatlarni tezroq, arzonroq va qulayroq ko‘rsatish imkonini beradi. Tadqiqotlarda raqamli bank xizmatlari operatsion xarajatlarni kamaytirishi, mijozlar qoniqishini oshirishi va banklarning raqobatbardoshligini kuchaytirishi qayd etilgan.
References
Zhou, X., & Tu, L. (2020). Study on Digital Transformation Mode of Commercial Banks.
Raza, H., Ishtiaq, M., Khan, A. N., Riaz, N., & Riaz, A. (2024). Digital Transformation in Commercial Banking: Trends, Challenges, and Future Directions.
Tian, X. (2024). The Role of Artificial Intelligence in the Digital Transformation of Commercial Banks.
Bakri, A., Hasanah, N., & Lasmiatun, K. (2024). Financial Technology Innovation and Banking Industry Transformation.
Yang, K., & Tao, J. (2024). Research on the Transformation of Traditional Commercial Banks Based on the Perspective of Financial Technology.
Nwachukwu, P. S., Chima, O. K., & Okolo, C. H. (2025). Digital Transformation in Banking: Impact of Technological Innovation and an Integrated Framework for Customer Relationship Success.
He, S., Shan, Y., va boshqalar. (2024). AI-Driven Digital Transformation in Banking: A New Era of Financial Services.
Huang, Y., & Tan, Z. (2024). An Overview of the Impact of Digital Transformation on the Banking Industry.
Downloads
Published
Issue
Section
How to Cite
