BANK ISHIDA RAQAMLASHTIRISH JARAYONINING TA’SIRI: KREDIT VA DEPOZIT OPERATSIYALARINING SAMARADORLIGI
DOI:
https://doi.org/10.5281/zenodo.18737854Keywords:
raqamli banking, kredit samaradorligi, onlayn depozitlar, RBI indeksi, bank transformatsiyasi,Abstract
Ushbu tadqiqot bank sektorida raqamli transformatsiya jarayonlarining kredit va depozit operatsiyalari samaradorligiga ta’sirini tahlil qilishga qaratilgan. Tadqiqotda raqamli banking indeksining (RBI) o‘sishi va bank operatsion rentabelligi o‘rtasidagi bog‘liqlik o‘rganiladi. Natijalar shuni ko‘rsatadiki, raqamlashtirish darajasining yaxshilanishi kredit risklarini kamaytirishga va depozit bazasi barqarorligini mustahkamlashga ijobiy ta’sir ko‘rsatadi.
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