CHAKANA BANK XIZMATLARINI RAQAMLASHTIRISHNING XORIJ TAJRIBASI
Jild 4 son 33 (2025): Innovative research in the modern world: theory and practice 91-94
Annotatsiya
Xalqaro tajribada bank xizmatlarini raqamlashtirish — ya’ni analog (ofisga tashrif, kertasimon hujjatlar) shakldan onlayn, mobil va platform asosida xizmat ko‘rsatishga o‘tish — banklar hamda moliya tizimida muhim o‘zgarishlarni boshdan kechirmoqda. Ushbu maqolada banklarning raqamli transformatsiyasi bosqichlari, xorijiy tajribada yuzaga kelgan asosiy omillar, imkoniyatlar hamda xavf-xatarlar tahlil qilinadi. Shuningdek, rivojlangan va rivojlanayotgan mamlakatlardagi bank raqamlashtirishining solishtirma jihatlari ko‘rib chiqiladi. Xorij tajribasidan olingan saboqlarni O‘zbekistondagi bank sektoriga tatbiq etish imkoniyatlari ham muhokama qilinadi.
Kalit soʻzlar:
Iqtiboslar
Cuesta C., Ruesta M., Tuesta D., Urbiola P. The digital transformation of the banking industry. BBVA Research, 2015, bet 3-10. [1]
Osei L.K., Cherkasova Y., Oware K.M. Unlocking the full potential of digital transformation in banking: a bibliometric review and emerging trend. Future Business Journal, 2023, vol. 9, Art. nr 30, bet 5-12. [2]
Singhal R., Sangeeta, Dolly, Sharma S., Garg M., Bhateja R. Banking digitalisation: an analysis of literature using bibliometric analysis. Academy of Marketing Studies Journal, 2024, vol. 28(2), bet 1-15. [3]
Manta A.G., Bădîrcea R.M., Gherțescu C., Manta L.F. How does the nexus between digitalization and banking performance drive digital transformation in Central and Eastern European Countries? Electronics, 2024, vol. 13(22):4383, bet 7-14. [4]
Khadka A. The Impact of Digital Transformation on Customer Experience in the UK Banking Sector: A Case Study of Lloyds Bank. MSc Dissertation, 2023, University X, bet 20-35. [5]
“Finance in Africa: Unlocking Investment in an Era of Digital Transformation and Climate Transition.” European Investment Bank, 2024, bet 115-120. [6]
“Why digital, ecosystem-enabled banking transformation is the way forward.” EY Insights, 2024, bet 10-18. [7]
Nguyen-Thi-Huong L. How does digital transformation impact bank performance? International Journal of Banking Studies, 2023, bet 45-60. [8]
Sowon K., Luhanga E., Cranor G.F., Fanti G., Tucker C., Gueye A. The Role of User-Agent Interactions on Mobile Money Practices in Kenya and Tanzania. arXiv, 2023, bet 3-9. [9]
Falade P.V., Ogundele G.B. Vulnerability Analysis of Digital Banks’ Mobile Applications. arXiv, 2023, bet 12-20. [10]
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