FINTECH TEXNOLOGIYALARI VA ZAMONAVIY MOLIYAVIY XIZMATLAR BOZORINI RIVOJLANTIRISH
Keywords:
fintech, raqamli moliya, digital banking, elektron to‘lovlar, Open Banking, raqamli kreditlash, moliyaviy inklyuziya, sun’iy intellekt, fintech ekotizimi.Abstract
Ushbu maqolada fintech texnologiyalarining O‘zbekistonda zamonaviy moliyaviy xizmatlar bozorini rivojlantirishdagi o‘rni va iqtisodiy samaradorligi tadqiq etilgan. Fintech xizmatlarining raqamli to‘lovlar, mobil banking, raqamli kreditlash, Open Banking hamda sun’iy intellekt asosidagi moliyaviy xizmatlar rivojiga ta’siri tahlil qilingan. Tadqiqotda O‘zbekiston Markaziy banki, Milliy statistika agentligi, xalqaro moliyaviy tashkilotlar ma’lumotlari hamda xorijiy mamlakatlar tajribasidan foydalanilgan. Qiyosiy, statistik va SWOT tahlil usullari asosida fintech bozorining mavjud holati, iqtisodiy imkoniyatlari va asosiy muammolari baholangan. Tadqiqot natijalari fintech texnologiyalari moliyaviy xizmatlarning tezkorligi va qulayligini oshirish, operatsion xarajatlarni kamaytirish hamda moliyaviy inklyuziyani kengaytirishga xizmat qilishini ko‘rsatdi. Maqolada O‘zbekistonda fintech ekotizimini rivojlantirish bo‘yicha qisqa, o‘rta va uzoq muddatli amaliy takliflar ishlab chiqilgan.
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