Digital Transformation in Financial Services
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Abstract
Abstract
Mazkur maqolada tijorat banklarida raqamli transformatsiya strategiyasini shakllantirish va uni bankning resurslari, risk profili hamda maqsadli mijoz segmentlari bilan uyg‘unlashtirish masalalari tadqiq etilgan. Raqamli kanallarning kengayishi, fintex kompaniyalari bilan raqobatning kuchayishi va mijozlarning shaxsiylashtirilgan xizmatlarga bo‘lgan talabining ortishi sharoitida transformatsiyani faqat texnologik yangilanish emas, balki bank biznes modelini qayta qurish jarayoni sifatida boshqarish zarurligi asoslangan. Tadqiqotda tizimli va qiyosiy tahlil, SWOT tahlili, kontent tahlili hamda ekspert-analitik ballash usullaridan foydalanilgan. Turonbank ATB misolida muqobil raqamli transformatsiya yo‘nalishlari kapital sig‘imi, texnologik tayyorgarlik, bozor salohiyati, risk darajasi, mavjud filiallar tarmog‘i bilan muvofiqlik va amalga oshirish muddati mezonlari asosida baholangan. Natijalar raqamli transformatsiya samaradorligi texnologik infratuzilma bilan bir qatorda risklarni boshqarish, xodimlar kompetensiyasi, ma’lumotlar sifati va mijozlarga yo‘naltirilgan biznes modelining uyg‘unligiga bog‘liqligini ko‘rsatadi. Tadqiqot asosida tijorat banklari uchun raqamli va an’anaviy xizmat kanallarini integratsiyalashga yo‘naltirilgan tashkiliy-iqtisodiy mexanizm taklif etilgan
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@article{Tashkazakovich2026TIJORAT,
title = {TIJORAT BANKLARINI RAQAMLI TRANSFORMATSIYA QILISH STRATEGIYASINI TAKOMILLASHTIRISH},
author = {Salamov Islam Tashkazakovich},
journal = {Innovatsion iqtisodiyot},
year = {2026},
doi = {10.70769/3030-315x.ii.10.10.2026.8},
url = {https://doi.org/10.70769/3030-315x.ii.10.10.2026.8}
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