JAHONDA RAQAMLI BANK XIZMATLARINING EVOLYUTSIYASI
DOI:
https://doi.org/10.47390/ydif-y2026v2i3/n04Kalit so‘zlar:
raqamli bank xizmati, digital banking, bank evolyutsiyasi, internet-banking, mobil banking, bulutli texnologiyalar, biometrik identifikatsiya, sun’iy intellekt, open banking, bank ekotizimi, neobanklar.Annotasiya
Mazkur tezisda jahon miqyosida raqamli bank xizmatlarining evolyutsiyasi va rivojlanish bosqichlari kompleks tahlil qilingan. Tadqiqotda bank xizmatlarining an’anaviy modeldan tranzitiv bosqichlar orqali to‘liq raqamli va ekotizimli modelga o‘tish jarayoni yoritilgan. Telefon banking, internet-banking, mobil banking, bulutli hisoblashlar, biometrik identifikatsiya va sun’iy intellekt asosidagi texnologiyalar bosqichma-bosqich rivojlanish omillari sifatida ko‘rib chiqilgan. Shuningdek, raqamli transformatsiyaning bank biznes modeli, mijoz tajribasi va xizmat ko‘rsatish kanallariga ta’siri ochib berilgan hamda zamonaviy raqamli bankning platformaviy va ochiq API asosidagi yo‘nalishlari tavsiflangan.
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