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No. 2 (2025)
Marketing

Articles

TRANSFORMATION OF BANKING SERVICES AND THE ROLE OF FINANCIAL TECHNOLOGIES

Published 2025-02-28

Authors
Azimova Nasiba Shuxratovna
Affiliation
Researcher of TATU named after Muhammad al-Khorazmi
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Abstract

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.

Keywords

Banks, financial technologies, financial services, information systems

References

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