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Son 8 (2025)
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FINTECH VA BANKLAR OʻRTASIDAGI QARAMA -QARSHILIK VA ULARNING INTEGRATSIYALASHUV IMKONIYATLARI

Nashr etilgan 2025-08-29

Mualliflar
Maxmudova Muxlisa Qodirjon qizi
Tashkilot
TDIU Bank ishi kafedrasi dotsenti, DSc
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Annotatsiya

Yangi raqamli dunyoda bank sektori va zamonaviy texnologiyalarning bir tizimda namoyon boʻlishi bir qancha afzalliklar bilan bir qatorda qarama -qarshiliklarga ham sabab boʻlmoqda. Fintech kompaniyalari tezkorlik, innovatsion xizmatlar va moslashuvchanlik b ilan ajralib tursa, anʼanaviy banklar barqarorlik, huquqiy asos va ishonchlilikni taʼminlaydi. Bu ikki sektor oʻrtasidagi raqobat moliyaviy xizmatlarning sifatini oshirishi, mijozlarga qulaylik yaratishi bilan birga, tartibga solish, xavfsizlik va raqamli ishonch masalalari dolzarb boʻlib bormoqda. Shu nuqtai nazardan, ushbu tadqiqot davomida Fintech va banklar oʻrtasidagi integratsiya imkoniyatlari va ular oʻrtasidagi qarama -qarshiliklarni oʻrgangan holda, moliyaviy texnologiyalar va bank ishi uchun ijobiy yechimlar keltirilgan.

Kalit so'zlar

Fintech, anʼanaviy banklar, qarama -qarshilik, tezkorlik, raqamli transformatsiya, bank sektori, moliyaviy innovatsiyalar

Adabiyotlar ro'yxati

  1. Klus , M. F., Lohwasser , T. S., Holotiuk , F., & Moormann , J. (2019). Strategic alliances between banks and Fintechs for digital innovation : motives to collaborate and types of interaction . Journal of Entrepreneurial Finance , 21(1), 1 –23.
  2. Financial Stability Board, “Financial Stability Implications from Fintech: Supervisory and Regulatory Issues That Merit Authoritiesʼ Attention,” (2017).
  3. Basel Committee on Banking Supervision, “Sound Practices; Implications of Fintech Developments for Banks and Bank Supervisors,” (2018).
  4. Fuster, Andreas, Paul Goldsmith Pinkham, Tarun Ramadorai, and Walther Ansgar, “Predictably Unequal? The Effects of Machine Learning on Credit Markets,” The Journal of Finance, 77 (2022), 5 -47
  5. DeYoung, Robert, “The Performance of Internet -Based Business Models: Evidence from the Banking Industry,” The Journal of Business, 78 (2005), 893 -948.
  6. DeYoung, Robert, William W. Lang, and Daniel L. Nolle, “How the Internet Affects Output and Performance at Community Banks,” Journal of Banking & Finance, 31 (2007), 1033 -1060.
  7. Dandapani, Krishnan, Edward R. Lawrence, and Jodonnis Rodriguez, “Determinants of Transactional Internet Banking,” Journal of Financial Services Research, 54 (2018), 243 -267
  8. https://monei.com/blog/Fintech -vs-traditional -banks/
  9. https://explodingtopics.com/blog/Fintech -market

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