BANK XIZMATLARI SOHASIDA RAQAMLASHTIRISHNING ROLI VA RIVOJLANISH ISTIQBOLLARI

Аннотация

Ushbu maqolada O‘zbekistonda bank xizmatlari sohasida raqamlashtirish jarayonlarining ahamiyati, ularning iqtisodiy va ijtimoiy tizimdagi o‘rni, shuningdek, rivojlanish istiqbollari chuqur tahlil qilingan. Raqamli texnologiyalarni joriy etish bank xizmatlarini ommaviylashtirish, ularning tezkorligi va qulayligini oshirish bilan birga, moliyaviy inklyuziya, korrupsiyaga qarshi kurash va iqtisodiy o‘sishga xizmat qilmoqda. Mualliflar O‘zbekiston bank tizimida raqamli to‘lov platformalari, mobil ilovalar, Open Banking tamoyillari va sun’iy intellekt asosida xizmat ko‘rsatish mexanizmlarining joriy etilishini tahlil qilgan. Maqolada, shuningdek, xalqaro tajribalar bilan solishtirish asosida milliy bank tizimining raqamli transformatsiyasi yo‘nalishlari ham ko‘rib chiqilgan. Asosiy e’tibor regulyativ islohotlar, texnologik infratuzilma, xavfsizlik choralari va aholining raqamli savodxonligini oshirish zarurati kabi masalalarga qaratilgan. Kalit so‘zlar: klaster yondashuvi, eksport salohiyati, raqobatbardoshlik, logistika, qayta ishlash, ishlab chiqarish zanjiri, eksport strategiyasi, mintaqaviy rivojlanish. Annotation. This article provides an in-depth analysis of the importance of digitization processes in the field of banking services in Uzbekistan, their role in the economic and social system, as well as prospects for development. The introduction of digital technologies serves to popularize banking services, increase their speed and accessibility, as well as serve financial inclusion, anti-corruption and economic growth. The authors analyzed the introduction of digital payment platforms, mobile applications, Open Banking Principles and artificial intelligence-based service mechanisms in the banking system of Uzbekistan. The article also examines the areas of digital transformation of the national banking system based on comparison with international experiments. The focus is on issues such as regulatory reform, technological infrastructure, security measures and the need to increase the digital literacy of the population. Keywords: cluster approach, export potential, competitiveness, logistics, processing, production chain, export strategy, Regional Development.