FINTECH INQILOBI (RAQAMLI MOLIYA XIZMATLARI KELAJAGI)

Raximberdiyev Tolibjon; Kurbanova Sitora Baxodirovna

Authors

Raximberdiyev Tolibjon Samarqand iqtisodiyot va servis instituti talabasi
Kurbanova Sitora Baxodirovna SamISI Moliya kafedrasi assistenti

Keywords:

fintech, moliyaviy xizmatlar, to‘lov xizmatlari, peer-to-peer, neobank, an’anaviy banklar, blokcheyn, katta ma’lumotlar tahlili (Bigadate), sun’iy intellekt (AI).

Abstract

Moliyaviy texnologiylarni rivojlantirish tijorat banklari tomonidan faol amalga oshirilmoqda. Tijorat banklari onlayn muhitda foydalanuvchi ehtiyojlariga funktsional imkoniyatlarni faol raqamli moslashtirish, barcha mahsulotlarni raqamli kanallarga o‘tkazish, iloji boricha raqamli sohadagi shiddatli raqobatda ishtirok etishga intilmoqda. Zamonaviy fintechlardan foydalangan holda masofaviy texnologiyalar mijozga bank xizmatlaridan foydalanishda maksimal qulaylik va bank bilan ishlash jarayonida vaqt hamda moliyaviy xarajatlarni minimallashtirish imkonini beradi. Maqolada fintech industriyasining rivojlanishi mahalliy bank biznes modelining raqamli transformatsiyasi uchun zarur shart-sharoitlar va infratuzilmani shakllantirish, zamonaviy moliyaviy texnologiyalardan foydalanish istiqbollari tahlil qilingan

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