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Son 2 (2025)
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BANK XIZMATLARINING TRANSFORMATSIYASI VA MOLIYAVIY TEXNOLOGIYALARNING ROLI

Nashr etilgan 2025-02-28

Mualliflar
Azimova Nasiba Shuxratovna
Tashkilot
Muhammad al -Xorazmiy nomidagi TATU tadqiqotchisi
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Annotatsiya

Fintech – bu moliyaviy texnologiyalarni anglatadigan biznes va bank xizmatlari sohasi hisoblanadi. U moliyaviy xizmatlar sohasida qo‘llaniladigan texnologiyalar bo‘lib, mobil to‘lovlar, pul o‘tkazmalari, kreditlar, mablag‘ yig‘ish, aktivlar va mulk boshqaruvi kab i yo‘nalishlarni o‘z ichiga oladi. So‘nggi yillarda Fintech’ga bo‘lgan investitsiyalar keskin oshib bormoqda va bu jarayon davom etishi kutilmoqda. Chunki Fintech faqat moliyaviy xizmatlar sohasi bilan cheklanib qolmay, balki moliyaviy xizmatlar bilan shug ‘ullanadigan barcha kompaniyalar va Fintech startaplariga ham taalluqlidir. Ushbu startaplar tezkor va innovatsion bo‘lib, mavjud tizimlarga sezilarli ta’sir ko‘rsatishi va an’anaviy moliyaviy tizimni tezda o‘zgartirishi mumkin. Fintech texnologiyalarga asoslangan mahsulot va xizmatlar majmuasi bo‘lib, an’anaviy moliyaviy xizmatlarning sifatini oshirishga xizmat qiladi. Bu xizmatlar tezkor va qulay bo‘lib, ko‘pincha Fintech startap kompaniyalari tomonidan ishlab chiqiladi. Ushbu k ompaniyalar mavjud moliyaviy xizmat ko‘rsatuvchi tashkilotlar bilan hamkorlik yoki raqobat asosida chakana va korporativ bank xizmatlarini yaxshilashga intiladi. Ushbu maqola moliyaviy texnologiyalar tushunchasi va ularning ahamiyatiga, shuningdek, banklar hamda Fintech kompaniyalari o‘rtasidagi hamkorlikdan har ikki tomon qanday foyda ko‘rishiga aniqlik kiritishga qaratilgan.

Kalit so'zlar

Banklar, moliyaviy texnologiyalar, moliyaviy xizmatlar, axborot tizimlari

Adabiyotlar ro'yxati

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  5. Dorfleitner, Gregor, & Hornuf, Lars. (2019). FinTech und Datenschutz. Springer Books.
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  8. Leong, Kelvin, & Sung, Anna. (2018). "FinTech (Financial Technology): what is it and how to use technologies to create business value in fintech way?" International Journal of Innovation, Management and Technology , 9(2), 74 -78.
  9. Agarwal, Sumit, & Zhang, Jian. (2020). "FinTech, lending and payment innovation: A review." Asia‐Pacific Journal of Financial Studies , 49(3), 353 -367.
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