RAQAMLI BANKING: QIYINCHILIKLAR, RIVOJLANAYOTGAN TEXNOLOGIYA TENDENSIYALARI VA KELAJAKDAGI TADQIQOTLAR
Ключевые слова:
Raqamli banking, raqamli ekotizim, raqamli innovatsiya, FinTech, ochiq bankingАннотация
So'nggi yigirma yil ichida internet, smartfonlar va kommunikatsiya texnologiyalarining eksponensial o'sishi tufayli raqamli bank sektori foydalanuvchilarga qulay, samarali va tez moliyaviy jarayonlarni amalga oshirish nuqtai nazaridan juda rivojlangan. Raqamli banking, shuningdek, COVID-19 pandemiyasi tufayli yuzaga kelgan iqtisodiy inqiroz sharoitida naqd pulsiz jarayonlarni amalga oshirish uchun muhim rol o'ynaydi. Tadqiqot raqamli banking texnologiyalari va muammolarini o’rganadi hamda kelajakda qilinishi kerak bo’lgan tadqiqot kun tartibini belgilaydi. Maqola muallif Kitchenhamning SLR – “Systematic Literature Review” – tizimli adabiyotlar tahlili uslubi asosida amalga oshirildi. Tadqiqot ko’lamini belgilovchi oldindan aniqlangan mezonlarga mos keladigan maqolalarni aniqlash uchun oltita ma'lumotlar bazasidan foydalanildi. Tadqiqotda 2015 yildan 2021 yilgacha nashr etilgan so'nggi maqolalar ko'rib chiqiladi. Oltmish yettita maqola tanlab olingan, ajratilgan va tahlil qilingan. Tadqiqotning natijasi texnologiya, tashkilot, odamlar, jarayon, atrof-muhit, mijozlar, xavfsizlik va xavf bilan bog'liq bo'lib, ular raqamli bank innovatsiyasidagi qiyinchiliklarni ifodalaydi. Ushbu tadqiqot kelajakdagi tadqiqot yo'nalishlari bo'yicha takliflarni taqdim etadi, bu esa butun dunyo bo'ylab amaliyotchilar va olimlar uchun foydali bo’ladi.
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