Bank biznesida raqamlashtirish darajasini baholash uslubiyoti
Keywords:
Raqamlashtirish, raqamli transformatsiya, moliyaviy texnologiya, asosiy samaradorlik ko‘rsatkichlari (KPI), texnologiyalarga moslashish modellari, kiberxavfsizlik, operatsion samaradorlik, mijoz tajribasi, strategic menejment, Markaziy bankning raqamli valyutalari (CBDC).Abstract
Bank biznesinini raqamlashtirish moliya institutlarining faoliyat
uslubini tubdan o‘zgartirib, mijozlar tajribasini, operatsion samaradorlikni va yangi
daromad oqimlarini oshirishga olib keladi. Ammo, raqamlashtirishning bank faoliyatiga
to‘liq ta’sirini baholash qat’iy va ko‘p qirrali metodologiya talab etadi va unda asosiy
samaradorlik ko‘rsatkichlarini, texnologiyalarga moslashish ko‘rsatkichlarini va me’yoriy
hujjatlarga muvofiqlikni qamrab olishi zarur bo‘ladi. Ushbu maqola tashkiliy o‘zgarishlar,
innovatsiyalarni boshqarish, texnologiyalarga moslashish modellari va raqamli
vositalarning strategik ta’siri kabi turli omillarni hisobga olgan holda bank sohasida
raqamlashtirishni baholash uchun keng qamrovli uslubiyotni taklif qiladi. Tadqiqot bank
sektoridagi raqamli transformatsiyaning yaxlit ko‘rinishini ta’minlash uchun so‘ngi
tendentsiyalar va amaliy tadqiqotlarni o‘z ichiga oladi.
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