BANK XIZMATLARIDA INNOVATSION BIZNES MODELLARINI SHAKLLANTIRISH VA RIVOJLANTIRISH
DOI:
https://doi.org/10.5281/zenodo.23393683Abstract
Mazkur tezisda bank xizmatlarida innovatsion biznes modellarini shakllantirish va rivojlantirishning iqtisodiy asoslari tadqiq etilgan. Tijorat banklarining an’anaviy modeldan mijozga yo‘naltirilgan, platformaviy va texnologik biznes modellariga o‘tish jarayonlari yoritilgan. Mobil banking, raqamli to‘lovlar, fintech hamkorlik, sun’iy intellekt va ochiq bank xizmatlari innovatsion biznes modelining asosiy elementlari sifatida ko‘rib chiqilgan. O‘zbekistonda 2026-yil yanvar–iyun oylarida moliyaviy xizmatlar hajmi 104,2 trln so‘mni tashkil etib, o‘tgan yilning mos davriga nisbatan 26,3 foizga oshgan [5]. Raqamli to‘lovlardan foydalanish darajasi esa 2025-yilda 72 foizga yetgan [8]. Tadqiqotda innovatsion biznes modellarining bank daromadlari, mijozlar sodiqligi va operatsion samaradorlikni oshirishdagi ahamiyati asoslangan.Keywords
bank xizmatlari, innovatsion biznes model, raqamli bank, fintech, mobil banking, raqamli to‘lovlar, sun’iy intellekt, platformaviy model, mijoz tajribasiReferences
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