Bank biznesini raqamlashtirish darajasini baholash: biznes muvaffaqiyatining asosiy mezonlari va strategik yondashuvlari
Keywords:
Raqamlashtirish, raqamli transformatsiya, moliyaviy texnologiya, texnologiyalarga moslashish modellari, kiberxavfsizlik, operatsion samaradorlik, mijozlar tajribasi, strategik menejment.Abstract
So‘nggi yillarda global bank sanoati texnologik taraqqiyot,
raqobatning kuchayishi va mijozlar kutgan o‘zgarishi tufayli sezilarli raqamli
transformatsiyani boshdan kechirdi. Ushbu maqola bank biznesini raqamlashtirishni
baholash uchun zarur bo‘lgan asosiy mezonlarni o‘rganadi va ularni muvaffaqiyatli
amalga oshirish uchun strategik yondashuvlarni ko‘rib chiqadi. Maqola mijozlar tajribasi,
operatsion samaradorlik, maʼlumotlar tahlili, meʼyoriy hujjatlarga muvofiqlik va
innovatsiyalarni muhokama qilishga bagʻishlangan.
References
Amiri, M. et al. (2023) ‘Evaluation of Digital Banking Implementation Indicators and Models in the
Context of Industry 4.0: A Fuzzy Group MCDM Approach’, Axioms, 12(6), p. 516. Available at:
https://doi.org/10.3390/axioms12060516.
Bozkuş Kahyaoğlu, S. (ed.) (2021) The Impact of Artificial Intelligence on Governance, Economics
and Finance, Volume I. Singapore: Springer Nature Singapore (Accounting, Finance, Sustainability,
Governance & Fraud: Theory and Application). Available at: https://doi.org/10.1007/978-981-33
-8.
Bratu, R. and Petria, N. (2018) ‘Evaluation of Banking Digitization Policy of Romanian Commercial
Banks’, in R. Orăștean, C. Ogrean, and S.C. Mărginean (eds) Innovative Business Development—A
Global Perspective. Cham: Springer International Publishing (Springer Proceedings in Business and
Economics), pp. 21–39. Available at: https://doi.org/10.1007/978-3-030-01878-8_3.
Dudin, M.N., Shkodinskii, S.V. and Usmanov, D.I. (2021) ‘Key Trends and Regulations of the
Development of Digital business Models of banking services in Industry 4.0’, Finance: Theory and
Practice, 25(5), pp. 59–78. Available at: https://doi.org/10.26794/2587-5671-2021-25-5-59-78.
King, B. (2019) Bank 4.0: banking everywhere, never at a bank. Chichester, West Sussex, United
Kingdom: Wiley.
Osei, L.K., Cherkasova, Y. and Oware, K.M. (2023) ‘Unlocking the full potential of digital
transformation in banking: a bibliometric review and emerging trend’, Future Business Journal, 9(1),
p. 30. Available at: https://doi.org/10.1186/s43093-023-00207-2.
Paulet, E. and Mavoori, H. (2020) ‘Conventional banks and Moliyaviy texnologiyas: how digitization
has transformed both models’, Journal of Business Strategy, 41(6), pp. 19–29. Available at:
https://doi.org/10.1108/JBS-06-2019-0131.
Potapova, E.A., Iskoskov, M.O. and Mukhanova, N.V. (2022) ‘The Impact of Digitalization on
Performance Indicators of Russian Commercial Banks in 2021’, Journal of Risk and Financial
Management, 15(10), p. 452. Available at: https://doi.org/10.3390/jrfm15100452.
Smirnov, V.D. (2022) ‘Digitalization in banking: All against all?’, Finance and Credit, 28(5), pp.
–1057. Available at: https://doi.org/10.24891/fc.28.5.1027.
