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No. 3 (2026)
Marketing

Articles

JISMONIY SHAXSLARGA YOʻNALTIRILGAN BANK XIZMATLARISIFATINI BAHOLASHNING ZAMONAVIY METODOLOGIYASI

Published 2026-04-01

Authors
Ibroximov Ilxomjon Shavkatjon oʻgʻli
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Abstract

Mazkur maqolada jismoniy shaxslarga koʻrsatiladigan bank xizmatlari sifatini
baholashning zamonaviy metodologik yondashuvlari tadqiq etilgan. Raqamli
Banklarni raqamlashtirish jarayonlari, omnikanal xizmat koʻrsatish modeli va mijoz
tajribasining ustuvor ahamiyat kasb etishi sharoitida sifatni anʼanaviy mezonlar asosida
baholash yetarli emasligi asoslab berilgan. Tadqiqotda xizmat sifati koʻp oʻlchamli
iqtisodiy kategoriya sifatida talqin qilinib, funksional samaradorlik, raqamli interfeys
qulayligi, kommunikativ aniqlik, xavfsizlik darajasi hamda mijoz sodiqligi
indikatorlarini oʻz ichiga oluvchi integrallashgan baholash tizimi taklif etilgan.
Shuningdek, subyektiv qoniqish koʻrsatkichlari bilan obyektiv operatsion
parametrlarni uygʻunlashtirish zarurligi asoslangan. Natijada jismoniy shaxslarga
xizmat koʻrsatish sifatini monitoring qilish va strategik boshqaruv qarorlarini qabul
qilish imkonini beruvchi zamonaviy metodologik model ishlab chiqilgan.

Keywords

bank xizmatlari sifati, jismoniy shaxslar, baholash metodologiyasi, mijoz qoniqishi, raqamli bank, xizmat samaradorligi, xavfsizlik, integrallashgan indeks, omnikanal model.

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