92

Ushbu maqolada bank sektorida raqamli kreditlash evolyutsiyasini asoslovchi me’yoriy-huquqiy baza va huquqiy jihatlarni o‘rganildi. Zamonaviy moliyaviy landshaftda banklar chakana kreditlash amaliyotini o‘zgartirish uchun raqamli texnologiyalardan tobora ko‘proq foydalanmoqda. Ushbu maqolada chakana kreditlash amaliyotini raqamli transformatsiya qilish va uni tartibga solish, iste’molchilar huquqlarini himoya qilish va moliyaviy tizimlarning yaxlitligini ta’minlaydigan huquqiy asoslarni o‘rganadi

  • Read count 92
  • Date of publication 30-11-2023
  • Main LanguageO'zbek
  • Pages32-42
Ўзбек

Ushbu maqolada bank sektorida raqamli kreditlash evolyutsiyasini asoslovchi me’yoriy-huquqiy baza va huquqiy jihatlarni o‘rganildi. Zamonaviy moliyaviy landshaftda banklar chakana kreditlash amaliyotini o‘zgartirish uchun raqamli texnologiyalardan tobora ko‘proq foydalanmoqda. Ushbu maqolada chakana kreditlash amaliyotini raqamli transformatsiya qilish va uni tartibga solish, iste’molchilar huquqlarini himoya qilish va moliyaviy tizimlarning yaxlitligini ta’minlaydigan huquqiy asoslarni o‘rganadi

Русский

В данной статье исследуются нормативно-правовая база и правовые аспекты, лежащие в основе эволюции цифрового кредитования в банковском секторе. В сегодняшнем финансовом ландшафте банки все чаще используют цифровые технологии для трансформации практики розничного кредитования. В этой статье исследуется цифровая трансформация розничного кредитования и правовые рамки, которые будут ее регулировать, защищать права потребителей и обеспечивать целостность финансовых систем.

English

This article explores the regulatory framework and legal aspects that constitute yhe basis for the evolution of digital lending in the banking sector. In current financial landscape, banks are increasingly using digital technologies to transform retail lending practices. This article explores the digital transformation of retail lending and the legal frameworks that will regulate it, protect consumer rights, and ensure the integrity of financial systems

№ Author name position Name of organisation
1 Axmedova D.K. -- O‘zbekiston Respublikasi Bank-moliya akademiyasi
№ Name of reference
1 Alkhaldi, A. N. & Al-Sadi A. (2016). The Impact of Demographic Factors on Arabic Users’ Adoption of M-Banking in Saudi Arabia: A Review. International Journal of Knowledge and Research in Management and E-Commerce, 5(4), 1-10. Retrieved from https://t.ly/YH9n
2 Ansari S.S., Krop P. (2012) Incumbent performance in the face of a radical innovation: towards a framework for incumbent challenger dynamics. Research Policy 41(8): 1357–1374.
3 Chorafas D. N. (2011) Risk management technology in financial services: risk control, stress testing, models, and IT systems and structures. – Elsevier, 2011.
4 Consoli D. (2005) The dynamics of technological change in UK retail banking services: an evolutionary perspective. Research Policy 34: 461–480.
5 Eidhoff A, Stief S, Voeth M, Gundlach S. (2016) Drivers of digital product innovation in firms: An empirical study of technological, organizational, and environmental factors[Internet]; 2016
6 Gunawardene N. (2019) Digital transmation in Sri Lanka: Opportunities and challenges in pursuit of liberal policies 2019 Jan 6
7 Krasonikolakis I., Tsarbopoulos M., Eng T.Y. (2020) Are incumbent banks bygones in the face of digital transformation? //Journal of General Management. – 2020. – Т. 46. – №. 1. – С. 60-69.
8 Madan, Dhananjay. (2022) scorecard: an advancement of credit system in banking sector. diss. 2022
9 Mhlanga D. (2021) Financial inclusion in emerging economies: The application of machine learning and artificial intelligence in credit risk assessment //International journal of financial studies. – 2021. – Т. 9. – №. 3. – С. 39.
10 Naser F., Alqahtani. (2016) Identifying the critical factors that impact on the Development of Electronic Government using TOE Frame-work in Saudi E-Government Context: A Thematic Analysis [Internet]; 2016
11 Nizom (2015) O‘zbekiston Respublikasi Markaziy bankining 2015 yil 6 iyuldagi “Tijorat banklari kapitalining monandligiga qo‘yiladigan talablar to‘g‘risida”gi 2693-sonli nizom.
12 Nizom (2021) O‘zbekiston Respublikasi Markaziy banki boshqaruvining 2021 yil 6 sentyabrdagi 20/5-sonli qaroriga ilova “Mijozlarni raqamli identifikasiya qilish tartibi to‘g‘risida”gi nizomi
13 Omarini A. (2017) The digital transformation in banking and the role of FinTechs in the new financial intermediation scenario. – 2017.
14 Omarini A. (2017) The digital transformation in banking and the role of fintechs in the new financial intermediation scenario. Int J Financ Econ Trade [Internet]; 2017. [Cited 2019 March 23];
15 Qaror (2021) O‘zbekiston Respublikasi Markaziy banki boshqaruvining 2021 yil 27 noyabrdagi 28/4 - son qaroriga ilova “Raqamli moliyaviy xizmatlar iste’molchilarining huquq va manfaatlarini himoya qilish standartlari”
16 Qonun, (1996) O‘zbekiston Respublikasining 1996 yil 26 apreldagi “Iste’molchilarning huquqlarini himoya qilish to‘g‘risida”gi 221-I-sonli qonuni
17 Qonun, (2003) O‘zbekiston Respublikasining 2003 yil 30-avgustdagi “Bank siri to‘g‘risida”gi 530-IIsonli qonuni
18 Qonun, (2019) O‘zbekiston Respublikasining 2019 yil 5-noyabrdagi “Banklar va bank faoliyati to‘g‘risida (yangi tahriri)”gi O‘RQ-580-sonli qonuni
19 Qonun, (2022) O‘zbekiston Respublikasining 2022 yil 15-apreldagi “Kiberxavfsizlik to‘g‘risida”gi O‘RQ-764-son qonuni
20 Qonun, (2022) O‘zbekiston Respublikasining 2022 yil 29-sentyabrdagi “Elektron tijorat to‘g‘risida”gi O‘RQ-792-sonli qonuni
21 Scardovi C. (2017) Digital transformation in financial services. Springer International Publishing. 2017; 236.
22 Skilton M, Hovsepian F. (2017) The 4thindustrial revolution: Responding to the impact of artificial intelligence on business. Springer International Publishing AG. 2017; 342
23 Thakor V.V. (2019), Fintech and banking: what do we know? Journal of Financial Intermediation 41: 100833
24 Warner K, Wäger M. (2019) Building dynamic capabilities for digital transformation: an ongoing process of strategic renewal. Long Range Planning 52(3): 326–349.
25 Williams, V. (2020). Fintech Regulations in the United States Compared to Regulations in Europe and Asia (Honor College Theses, Pace University, New York, United States). Retrieved from https://t.ly/g862
26 a (Honor College Theses, Pace University, New York, United States). Retrieved from https://t.ly/g862 Мамадияров, З. (2023). БАНК ХИЗМАТЛАРИНИ МАСОФАДАН КЎРСАТИШ ВА РАҚАМЛАШТИРИШНИНГ ДОЛЗАРБ ЖИҲАТЛАРИ. Iqtisodiyot va taʼlim, 24(1), 115-122
27 Мамадияров, З. (2023). ЎЗБЕКИСТОНДА БАНК ХИЗМАТЛАРИНИ РАҚАМЛИ ТРАНСФОРМАЦИЯ ҚИЛИШГА ТАЪСИР ЭТУВЧИ ОМИЛЛАР ТАҲЛИЛИ. Страховой рынок Узбекистана, 1(4), 39–45. извлечено от https://insurance.tsue.uz/index.php/journal/article/view/68
Waiting