BANK XIZMATLARI SAMARADORLIGINI OSHIRISHDA RAQAMLI BANK XIZMATLARINING O’RNI VA BUNDA XORIJIY MAMLAKATLAR TAJRIBASI
Keywords:
bank, raqamli bank, blokcheyn, sun’iy intellekt, moliyaviy savodxonlik, UPI to’lov tizimi.Abstract
This scientific article provides a comprehensive analysis of enhancing the efficiency of
banking services through the development of digital banking services, the current level of their
implementation, and the use of foreign best practices to further improve banking service efficiency. In
particular, existing digital banking services in developed countries such as the USA, the United Kingdom,
and India were examined and analyzed. Additionally, the study explored the population’s level of
utilization of banking services, especially digital services, which are considered a key factor in the
development of banking services, and general proposals and recommendations were formulated.
References
Shokirova G. Raqamli bank tushunchasi va O‘zbekiston Respublikasida raqamlashtirish darajasi // Development of Pedagogical Technologies in Modern Sciences. – B. 90–102.
Mamayev B., Abdug‘ofurov X. O‘zbekistonda raqamli bank xizmatlari bozorini rivojlantirish istiqbollari // Educational Yield Insights & Breakthroughs. – 2024. – B. 5–9.
Matyaqubov Y. O‘zbekiston raqamli moliyani rivojlantirish istiqbollari // Central Asian Journal of Multidisciplinary Research and Management Studies. – 2025. – B. 98–101.
Sagdiyeva M. Banklar faoliyatini raqamlashtirishning yangi tendensiyalari // Iqtisodiyot va innovatsion texnologiyalar jurnali. – 2025. – B. 78–83.
O‘zbekiston Respublikasi Milliy statistika qo‘mitasi. Rasmiy statistik ma’lumotlar. – URL: https://stat.uz
O‘zbekiston Respublikasi Markaziy banki. Bank tizimi va moliyaviy sektor bo‘yicha rasmiy ma’lumotlar. – URL: https://cbu.uz
Ministry of Electronics and Information Technology of India. Rasmiy ma’lumotlar. – URL: https://www.meity.gov.in
Press Information Bureau, Government of India. Rasmiy axborot va statistik ma’lumotlar. – URL: https://www.pib.gov.in
ElectroIQ. Raqamli texnologiyalar va elektronika sohasi bo‘yicha ma’lumotlar. – URL: https://electroiq.com