FINTECH-STARTAPLAR VA TIJORAT BANKLARI HAMKORLIGI: SINERGETIK INTEGRATSIYA VA INNOVATSION EKOTIZIM SHAKLLANISHI

Temurbek Normo‘minov

GREEN ECONOMY AND DEVELOPMENT, 2025, vol. 3, issue 11

Abstract: Maqolada onlayn-kreditlash platformalarining rivojlanishi va ularning an’anaviy bank tizimiga ko‘rsatayotganraqobat ta’siri tahlil qilingan. Xalqaro va mahalliy statistik ma’lumotlar asosida raqamli kreditlash bozorining o‘sishtendensiyalari, banklar faoliyatidagi texnologik o‘zgarishlar, jarayonlarning avtomatlashtirilishi va kreditga kirishimkoniyatlarining kengayishi ilmiy jihatdan yoritilgan. Tadqiqot natijalari onlayn-kreditlashning bank xizmatlari tezligi,operatsion samaradorlik va mijozlar uchun qo‘shimcha qiymat yaratishdagi o‘rni yuqori ekanini ko‘rsatadi. Shu bilanbirga, raqamli kreditlash bozorida xavfsizlik, identifikatsiya va normativ-huquqiy muvofiqlik bilan bog‘liq chaqiriqlar hammavjudligi aniqlangan

Keywords: onlayn-kreditlash; raqamli moliya; bank tizimi; fintech; raqobat; operatsion samaradorlik; AI-skoring (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:teu:ged000:v:3:y:2025:i:11:id:7945

DOI: 10.5281/zenodo.17657241

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