BANKLARDA NAQD PULSIZ OPERATSIYALAR HISOBINI YURITISHDA RAQAMLI TEXNOLOGIYALAR ROLI.
DOI:
https://doi.org/10.5281/zenodo.17096918Keywords:
Naqd pulsiz operatsiyalar, tijorat banklari, raqamli texnologiyalar, onlayn-banking, mobil ilova, QR-to‘lovlar, blokcheyn, sun’iy intellekt, kiberxavfsizlik, elektron hisob-kitob.Abstract
Ushbu maqolada tijorat banklarida naqd pulsiz operatsiyalar hisobini yuritishda raqamli texnologiyalarning ahamiyati va ularning moliyaviy tizim samaradorligiga ta’siri yoritiladi. Mobil ilovalar, onlayn-banking, QR-to‘lovlar, blokcheyn va sun’iy intellekt asosidagi tizimlar orqali naqd pulsiz hisob-kitoblarni takomillashtirish yo‘llari tahlil qilinadi. O‘zbekiston tijorat banklari, xususan “Ipotekabank” misolida joriy etilayotgan innovatsion texnologiyalar amaliy jihatdan o‘rganilib, xalqaro tajribalar bilan qiyosiy tahlil qilinadi. Maqola banklarda raqamli transformatsiyaning naqd pulsiz hisob yuritishga ta’siri, xavfsizlik masalalari va istiqbolli rivojlanish yo‘nalishlarini ko‘rsatib beradi.
References
Gorshkov, V. (2022). Cashless Payment in Emerging Markets: The Case of Russia. ScienceDirect.
Korobeynikova, O. (2020). The state of the Russian payment market: digitalization and the impact of COVID-19. E3S Web of Conferences.
Krivosheya, E. (2020). The role of financial innovations in consumer behavior in the Russian retail payments market. Technological Forecasting and Social Change, 161.
Ghosh, P., Vallee, B. & Zeng, Y. (2021). FinTech Lending and Cashless Payments. Wharton / Indian Institute of Management Working Paper.
Valiyev, J. & Kotane, I. (2024). Enhancing the Payment System in Uzbekistan. Journal of Regional Economic and Social Development, 16.
Karimov, A. (2023). The Evolution of Digital Banking in Uzbekistan: Trends and Challenges. Excellencia – International Multidisciplinary Journal of Education.
Akhmedov, D. & Rakhimova, N. (2024). Application of Digital Technologies in the Banking System of the Republic of Uzbekistan. ACM Proceedings.
Shashkova, A.V. (2020). FinTech & New Digital Instruments: Post-Crisis Trends. Digital Law Journal.
Korobeynikova, O. (2021). Digital adaptation of the Russian payment services market. SHS Web of Conferences.
Tursunov, B. (2023). Prospects of Payment Ecosystem Formation in Uzbekistan. Asian Journal of Public Diplomacy and International Studies.
Beknazarova, M. (2024). The Impact of FinTech on Commercial Banks in Uzbekistan. Science and Research Journal.
Ismoilov, U. (2024). Analysis of Factors Affecting Remote Banking Services in the Process of Bank Transformation in Uzbekistan. Research Journal of Finance and Accounting.
Kostin, K.B., Müller, T. & Ivanova, S. (2022). Comparing the Situation of FinTech Start-Ups in Russia and Germany. Economics (MDPI), 10(2).
