TIJORAT BANKLARI TAKLIF ETGAN RAQAMLI TEXNOLOGIYALARDAN FOYDALANISHNI BAHOLASH
Ключевые слова:
raqamli texnologiyalar, raqamli xizmatlar, zamonaviy axborot texnologiyalari, tijorat banklari, logistik regressiyaАннотация
Hozirgi kunda raqamli texnologiyalar tijorat banklari raqobatbardoshligini oshirishda va iqtisodiy ko’rsatkichlarida o’sish sur’atiga erishilishida o’z ijobiy ta’sirini ko’rsatmoqda. Bu esa tijorat banklarida raqamli texnologiyalar samaradorligini baholab borishni taqazo etadi, shu jumladan tijorat banklari taklif etgan raqamli texnologiyalardan foydalanishni baholashni ham. Mazkur tadqiqot usuli miqdoriy (quantitative) bo’lib, ma’lumot turi sifatida kesma (cross-sectional) tanlab olindi. Tadqiqot populyatsiyasi (research population) barcha mahalliy tijorat banklari mijozlari bo’lib, tadqiqot na’munasi hajmi (the research sample size) 29 ta tijorat banklarining 386 ta mijozlaridir. Tadqiqot natijalari Stata dasturida tahlil qilinib, statistik tahlil usullaridan tavsiflovchi statistika (descriptive statistics), chastotalar jadvali (tables of frequencies), logit model, logistik regressiya (logistic regression) va Hosmer-Lemeshow goodness-of-fit testidan foydalanildi. Tahlil natijalariga ko’ra tijorat banklarida ko’p va kam foydalaniladigan raqamli texnologiyalar, tijorat banklarida raqamli texnologiyalarni bir xilda joriy etilmaganligining sabablari hamda tijorat banklarida zamonaviiy axborot texnologiyalarini joriy qilishdagi amaliyotga keng qo’llanilgan yo‘nalish aniqlandi.
Библиографические ссылки
O‘zbekiston Respublikasi Prezidentining 2020-yil 5-oktyabrdagi «Raqamli O‘zbekiston-2030» strategiyasini tasdiqlash va uni samarali amalga oshirish chora-tadbirlari to‘g‘risida”gi PF-6079-sonli farmoni, https://lex.uz/docs/-5030957
Appiahene, P., Missah, Y. M, and Najim, U. (2019). Evaluation of information technology impact on bank’s performance: The Ghanaian experience. International Journal of Engineering Business Management, 2019, Volume 11: 1–10.
Do, Trang Doan, Ha An Thi Pham, Eleftherios I. Thalassinos, and Hoang Anh Le. (2022). The Impact of Digital Transformation on Performance: Evidence from Vietnamese Commercial Banks. Journal of Risk and Financial Management 15: 21. https://doi.org/ 10.3390/jrfm15010021.
Zuo, L.; Strauss, J.; Zuo, L. (2021). The Digitalization Transformation of Commercial Banks and Its Impact on Sustainable Efficiency Improvements through Investment in Science and Technology. Sustainability 2021, 13, 11028. https://doi.org/10.3390/ su131911028
Bella, F. I. and Himmawan, M. F. (2021). Digitalization and Efficiency: Technology based Service of Indonesia Sharia Commercial Banks, IQTISHADIA 14, 2, 2021, pp.280-300.
Gulyamova A. L. (2022). DIGITAL TECHNOLOGIES IN COMMERCIAL BANKS, EPRA International Journal of Socio-Economic and Environmental Outlook (SEEO), Volume: 9 | Issue: 2| February 2022 | SJIF Impact Factor: 7.426 | Journal DOI: 10.36713/epra0314 | Peer-Reviewed Journal
Асрарова М. Б. ЦИФРОВАЯ ТРАНСФОРМАЦИЯ БАНКОВ В УЗБЕКИСТАНЕ, Международный научно-исследовательский журнал ▪ № 6 (96) ▪ Часть 4 ▪ Июнь 57 DOI: https://doi.org/10.23670/IRJ.2020.96.6.123
Norov, A. R., Elbusinova, U. X., Norov, A. R., Mirpulatova, L. M., Akbarov, H. M. (2022). THE ROLE OF DIGITAL TECHNOLOGIES IN THE DEVELOPMENT OF COMMERCIAL BANKS, Academicia Globe: Inderscience Research, Volume 3, Issue 4, Apr, 2022, pp. 507-515.
Hosmer, D. W. and Stanley Lemeshow (2000). Applied Logistic Regression, John Wiley & Sons, 2000, 1-375.
David J. O. (2010). Logistic Regression, Encyclopedia of Research Design, 2010, p.785-787.