OCHIQ BANK (OPEN BANKING) FAOLIYATINING XALQARO TAJRIBASI VA O‘ZBEKISTONDA QO‘LLANILISHI

OCHIQ BANK (OPEN BANKING) FAOLIYATINING XALQARO TAJRIBASI VA O‘ZBEKISTONDA QO‘LLANILISHI

Authors

  • Nazarov X Toshkent menejment va iqtisodiyot instituti, f-m.f.n., dotsenti

Keywords:

moliyaviy texnologiyalar, API integratsiyasi, ma’lumot almashish, bank xizmatlarini raqobatbardoshligi, moliyaviy ommaboplik, tartibga solish, banklararo hamkorlik, O‘zbekiston bank sektori, raqamli infratuzilma, xavfsizlik va maxfiylik.

Abstract

This article is aimed at exploring the possibilities of using the
open banking system in Uzbekistan based on international experience. With the
development of the digital economy and the growing demand for financial
technologies in Uzbekistan, the introduction of open banking services is an
urgent issue. The article discusses the advantages, problems and directions of
the introduction of an open banking system in Uzbekistan, as well as the
regulatory framework.

References

Fingleton J., McAndrews J. Open Banking: Opportunities and Challenges. — Cambridge: MIT Press, 2019.

Petralia K., Philippon T., Rice T., Veron N. Banking Disrupted? Financial Intermediation in an Era of Transformational Technology. — Frankfurt am Main: European Central Bank, 2019.

Lohmeier A., Hilt G. Open Banking in Europe: Current Developments and Market Opportunities // Financial Stability Review. — 2020. — Vol. 24, No. 3. — P. 30–45.

PwC. Open Banking: How to Flourish in an Ecosystem Built Around API Technology. — PwC Global Fintech Report, 2020.

McKinsey & Company. Open Banking: How to Capture the Strategic Value of an Open-Data World. — McKinsey Financial Services Insights, 2021.

Deloitte. Open Banking: Opportunities and Risks for Banks. — Deloitte Insights, 2020.

Capgemini Research Institute. World Fintech Report 2021: Open Banking and Digital Ecosystems. — Capgemini, 2021.

O‘zbekiston Respublikasi Markaziy banki. O‘zbekiston moliyaviy sektori rivoji va raqamli transformatsiya yo‘nalishlari bo‘yicha hisobot. — Toshkent, 2022.

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Published

2026-05-21

How to Cite

Nazarov X. (2026). OCHIQ BANK (OPEN BANKING) FAOLIYATINING XALQARO TAJRIBASI VA O‘ZBEKISTONDA QO‘LLANILISHI. MANAGEMENT AND ECONOMICS SCIENTIFIC RESEARCH JOURNAL, 3(2), 551–559. Retrieved from https://journals.timeedu.uz/index.php/mesr/article/view/192

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