BANK MAHSULOTLARI VA XIZMATLARI SAMARADORLIGINI OSHIRISH ISTIQBOLLARI: RAQAMLI TRANSFORMATSIYA, INNOVATSION MAHSULOTLAR VA RISKLARNI BOSHQARISH
DOI:
https://doi.org/10.5281/zenodo.23940110Annotatsiya
Mazkur maqolada bank mahsulotlari va xizmatlari samaradorligini oshirishning zamonaviy yo‘nalishlari raqamli transformatsiya, innovatsion moliyaviy mahsulotlarni joriy etish hamda bank risklarini boshqarish tizimini takomillashtirish nuqtayi nazaridan tadqiq etiladi. Bank sektorida raqamli texnologiyalarning rivojlanishi, moliyaviy xizmatlarni avtomatlashtirish, masofaviy bank xizmatlari ko‘lamini kengaytirish va mijozlarga yo‘naltirilgan innovatsion mahsulotlarni shakllantirishning iqtisodiy ahamiyati nazariy jihatdan asoslanadi. Shuningdek, sun’iy intellekt, katta hajmdagi ma’lumotlar (Big Data), blokcheyn texnologiyalari va moliyaviy texnologiyalar (FinTech) imkoniyatlaridan foydalanish orqali bank operatsiyalarining tezkorligi, shaffofligi hamda iqtisodiy samaradorligini oshirish masalalari yoritiladi. Tadqiqot doirasida kredit, likvidlik, operatsion va kiberxavfsizlik risklarini aniqlash, baholash hamda minimallashtirishning zamonaviy yondashuvlari ko‘rib chiqiladi. Bank xizmatlarining samaradorligini baholashda operatsion xarajatlar, xizmat ko‘rsatish tezligi, mijozlar qoniqishi, raqamli xizmatlardan foydalanish darajasi va risk ko‘rsatkichlarini o‘zaro bog‘liq holda tahlil qilish zarurligi asoslanadi. Maqolada tijorat banklarining raqobatbardoshligini mustahkamlash, moliyaviy xizmatlar ommabopligini oshirish hamda raqamli bank ekotizimini rivojlantirishga qaratilgan ilmiy-amaliy taklif va tavsiyalar ishlab chiqishning ustuvor yo‘nalishlari belgilab beriladi.Kalit soʻzlar
bank mahsulotlari, bank xizmatlari, iqtisodiy samaradorlik, raqamli transformatsiya, innovatsion bank mahsulotlari, FinTech, sun’iy intellekt, Big Data, masofaviy bank xizmatlari, bank risklari, kredit riski, likvidlik riski, kiberxavfsizlik, risk-menejment, raqamli bank ekotizimiFoydalanilgan adabiyotlar roʻyxati
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