RAQAMLI CHAKANA BANK XIZMATLARINING OPERATSION XARAJATLARNI QISQARTIRISHDAGI O‘RNI VA BANK SAMARADORLIGIGA TA’SIRI
DOI:
https://doi.org/10.5281/zenodo.18480269Keywords:
raqamli bank xizmatlari, chakana bank xizmatlari, operatsion xarajatlar, bank samaradorligi, cost-to-income ratio, mobil banking, internet-banking, avtomatlashtirish, raqamli transformatsiya, tijorat banklari.Abstract
Ushbu ilmiy tezisda raqamli chakana bank xizmatlarining tijorat banklarida operatsion xarajatlarni qisqartirishdagi o‘rni hamda bank faoliyati samaradorligiga ta’siri nazariy va amaliy jihatdan tahlil qilinadi. Tadqiqotda mobil banking, internet-banking, masofaviy identifikatsiya, avtomatlashtirilgan to‘lov va kredit jarayonlari kabi raqamli xizmatlarning bankning ichki operatsion jarayonlariga ta’sir mexanizmlari ochib beriladi. Raqamli texnologiyalar joriy etilishi natijasida filial tarmog‘iga bo‘lgan yuklamaning kamayishi, xodimlar mehnat unumdorligining oshishi, tranzaksiya tannarxining pasayishi hamda vaqt va resurslardan foydalanish samaradorligining yaxshilanishi asoslab beriladi. Shuningdek, raqamli chakana bank xizmatlari bankning moliyaviy samaradorligini ifodalovchi cost-to-income ratio, aktivlar rentabelligi (ROA) va kapital rentabelligi (ROE) kabi ko‘rsatkichlarga ijobiy ta’sir ko‘rsatishi ilmiy jihatdan yoritiladi.
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