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Maqolada chakana bank xizmatlarini raqamli transformatsiya qilish, raqamli banklarda xizmat ko‘rsatish kanallari, chakana kredit turlari va hajmi bo‘yicha statistik ma’lumotlar tahlili hamda chakana bank xizmatlarini rivojlantirishning rivojlangan davlatlar tajribasi yoritilgan. Ilmiy maqolani tayyorlash jarayonida ma’lumotlarni qiyoslash, ma’lumotlarni guruhlash, ekspert baholash usullaridan unumli foydalanildi hamda raqamli transformasiya jarayonida chakana bank xizmatlarini rivojlantirish bo‘yicha mualliflar xulosa va takliflari keltirilgan.

  • Название журналаRaqamli iqtisodiyot
  • Номер выпуска2-son
  • Количество просмотров 279
  • Количество прочтений 279
  • Дата публикации 04-04-2023
  • Язык статьиO'zbek
  • Страницы120-135
Ўзбек

Maqolada chakana bank xizmatlarini raqamli transformatsiya qilish, raqamli banklarda xizmat ko‘rsatish kanallari, chakana kredit turlari va hajmi bo‘yicha statistik ma’lumotlar tahlili hamda chakana bank xizmatlarini rivojlantirishning rivojlangan davlatlar tajribasi yoritilgan. Ilmiy maqolani tayyorlash jarayonida ma’lumotlarni qiyoslash, ma’lumotlarni guruhlash, ekspert baholash usullaridan unumli foydalanildi hamda raqamli transformasiya jarayonida chakana bank xizmatlarini rivojlantirish bo‘yicha mualliflar xulosa va takliflari keltirilgan.

Русский

В статье освещены цифровая трансформация розничных банковских услуг, каналы обслуживания в цифровых банках, анализ статистических данных о видах и объемах розничных кредитов, а также опыт развитых стран в развитии розничных банковских услуг. В процессе подготовки научной статьи были эффективно использованы методы сравнения данных, группировки данных и экспертной оценки, а также представлены выводы и предложения авторов по развитию розничного банковского обслуживания в процессе цифровой трансформации.

Ўзбек

The article covers the digital transformation of retail banking services, service channels in digital banks, analysis of statistical data on the types and volume of retail loans, and the experience of developed countries in the development of retail banking services. In the process of preparing the scientific article, the methods of data comparison, data grouping, and expert evaluation were effectively used, and the authors' conclusions and suggestions on the development of retail banking services in the process of digital transformation were presented.

№ Имя автора Должность Наименование организации
1 Mamadiyorov Z.T. Professor Toshkent davlat iqtisodiyot universitet
2 Asqarov S.A. Tayanch doktorant Toshkent davlat iqtisodiyot universitet
№ Название ссылки
1 1. Brassington, F., Pettitt, S., & McMillan, K. (2010). Principles of marketing. Harlow: Financial Times Prentice Hall.
2 2. Storbacka, K., & Nenonen, S. (2014). Learning with the market: Facilitating market innovation. Industrial Marketing Management. 44, 73-82. DOI: 10.1016/j.indmarman.2014.10.009
3 3. Ajzen, I. (2008). Consumer attitudes and behavior. In C. P. Haugtvedt, P. M. Herr, & F. R. Cardes (Ed.) Handbook of Consumer Psychology (pp. 525-548). New York: Lawrence Erlbaum Associates
4 4. Brown S. Retail Lokcation: a mikro-scale perspective. Aldershot: Avebury, 1992. P.11.
5 5. Управление розничным маркетингом: перю с англ./под ред. Д.Гилберта, М., 2005. С. 10-11
6 6. Nasdaq, “The High Cost of the Banking Business;” September 27, 2019.
7 7. Retail Banker International, “Why experience-based branches are growing;” May 25, 2022.
8 8. Future Branches, “Here’s How UnionBank is Turning to Technology to Create Its First 100% Digital Branch;” 2022.
9 9. Retail Banker International, “Banca Carige gets smart with new branch strategy;” June 30, 2022.
10 10. Reuters, “Bank of America ramps up branch modernization;” April 5, 2019.
11 11. The Wall Street Journal, “Tech Startups Cut Spending as Investors Pull Back;” May 23, 2022.
12 12. Altfi, “Payments power VC fintech funding to $29.3bn in Q1;” May 9, 2022.
13 13. Capgemini Research Institute for Financial Services Analysis, 2022 so‘rovnoma natijalari asosida muallif tomonidan tuzildi.
14 14. Techcrunch, “Fintech Roundup: Fintechs and banks are getting cozier;” March 6, 2022.
15 15. Finextra, “Serendip, in partnership with BNP Paribas, parades 2022 fintech incubator class;” May 25, 2022.
16 16. Platformable, “Using Open Banking and Open Finance APIs to Build Green Fintech;” Q1 2022
17 17. The FinTech Times, “BaaS Adoption to Push Platform Revenue to $38Billion by 2027; Finds Juniper Research;” September 26, 2022
18 18. The Global Findex Database 2021; Accessed October 29, 2022.
19 19. Established Direct Banking Brands Flex Their Digital Banking Muscle, According to J.D. Power. Charles Schwab Bank, Discover Bank and American Express Rank Highest in Respective Segments, 12 May 2022
20 20. Bennett R., Bennett K. Digital banking in 2022: Trends and statistics. September 28, 2022
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