BANKLARNING RAQAMLI XIZMATLARIDA UZLUKSIZLIK VA TEXNIK BARQARORLIKNI TA’MINLASHNING TASHKILIY-IQTISODIY MEXANIZMLARI
Keywords:
tijorat banklari, biznes uzluksizligi, investitsiyalar, iqtisodiy samaradorlik, kiberxavfsizlik, axborot infratuzilmasi, operatsion risk, raqamli transformatsiya, tashkiliy-iqtisodiy mexanizm, texnik barqarorlik, uzluksizlik, raqamli bank xizmatlariAbstract
Mazkur ilmiy maqolada tijorat banklarining raqamli xizmatlarida uzluksizlik va texnik barqarorlikni ta’minlashning tashkiliy-iqtisodiy mexanizmlari hamda ularni takomillashtirish yo‘nalishlari tadqiq etilgan. Bank tizimida raqamli transformatsiya jarayonlarining jadallashuvi sharoitida mobil banking, internet-banking, elektron to‘lov tizimlari va masofaviy bank xizmatlarining uzluksiz faoliyat yuritishini ta’minlashning iqtisodiy ahamiyati asoslab berilgan. Tadqiqot davomida raqamli bank xizmatlarining barqarorligiga ta’sir etuvchi texnologik, tashkiliy, iqtisodiy va institutsional omillar tizimlashtirilib, operatsion risklarni boshqarish, axborot infratuzilmasini modernizatsiya qilish, moliyaviy resurslarni samarali taqsimlash hamda favqulodda vaziyatlarda xizmatlarni tiklash mexanizmlari tahlil qilingan. Shuningdek, raqamli xizmatlarning uzluksizligini baholashda texnik ishonchlilik ko‘rsatkichlari bilan iqtisodiy samaradorlik mezonlarini o‘zaro bog‘liq holda qo‘llash zarurligi asoslangan
References
1. Mamadiyarov, Z. (2024). ‘Raqamli pullar va raqamli bank xizmatlari bilan bog‘liq risklar hamda ularni boshqarish’, Iqtisodiy taraqqiyot va tahlil, 2(2), pp. 143–154. https://doi.org/10.60078/2992-877X-2024-vol2-iss2-pp143-154.
2. Mirpulatova, L. (2024). ‘Raqamli transformatsiya va bank samaradorligini oshiruvchi raqamli texnologiyalarlar tahlili’, Iqtisodiy taraqqiyot va tahlil, 2(9), pp. 130–138. https://doi.org/10.60078/2992-877X-2024-vol2-iss9-pp130-138.
3. Abduraxmanova, M. (2024). ‘Развитие цифровой трансформации банковского сектора Республики Узбекистан’, Green Economy and Development, 2(2). https://www.yashil-iqtisodiyot-taraqqiyot.uz/journal/index.php/GED/article/view/979.
4. Mamadiyarov, Z. and Soliyev, A.E. (2024). ‘The Impact of Mobile Banking on Financial Inclusion in Uzbekistan’, American Journal of Business Practice, 1(4), pp. 13–20. https://doi.org/10.31149/ajbp.v1i4.121.
5. Vorobyeva, E.I. (2022). ‘Направления развития банковской деятельности в Российской Федерации’, Научный вестник: финансы, банки, инвестиции. https://cyberleninka.ru/article/n/napravleniya-razvitiya-bankovskoy-deyatelnosti-v-rossiyskoy-federatsii.
6. Klimovskikh, N.V., Sitkina, V.M. and Tsyrulnikov, N.A. (2025). ‘Анализ стратегических направлений развития коммерческого банка’, Естественно-гуманитарные исследования. https://cyberleninka.ru/article/n/analiz-strategicheskih-napravleniy-razvitiya-kommercheskogo-banka.
7. Chen, Z., Li, H., Wang, T. and Wu, J. (2023). ‘How digital transformation affects bank risk: Evidence from listed Chinese banks’, Finance Research Letters, 58, Article 104319. https://doi.org/10.1016/j.frl.2023.104319.
8. Jia, K. and Liu, X. (2024). ‘Bank digital transformation, bank competitiveness and systemic risk’, Frontiers in Physics, 11, Article 1297912. https://doi.org/10.3389/fphy.2023.1297912.
9. Zhao, G., Bi, X., Zhai, K. and Yuan, X. (2024). ‘Influence of digital transformation on banks’ systemic risk in China’, Finance Research Letters, 63, Article 105358. https://doi.org/10.1016/j.frl.2024.105358.
10. Vives, X. (2019). ‘Digital Disruption in Banking’, Annual Review of Financial Economics, 11, pp. 243–272. https://doi.org/10.1146/annurev-financial-100719-120854.
11. Buttigieg, C.P. and Zimmermann, B.B. (2024). ‘The digital operational resilience act: challenges and some reflections on the adequacy of Europe’s architecture for financial supervision’, ERA Forum, 25, pp. 11–28. https://doi.org/10.1007/s12027-024-00793-w.
12. Thakor, A.V. (2020). ‘Fintech and banking: What do we know?’, Journal of Financial Intermediation, 41, Article 100833. https://doi.org/10.1016/j.jfi.2019.100833.
13. Eisenbach, T.M., Kovner, A. and Lee, M.J. (2022). ‘Cyber risk and the U.S. financial system: A pre-mortem analysis’, Journal of Financial Economics, 145(3), pp. 802–826. https://doi.org/10.1016/j.jfineco.2021.10.007
