Vol. 2 No. 9 (2025): Conference on Social Sciences and Humanities Research (CSSHR)
Articles

XORIJIY DAVLATLAR TAJRIBASIDA BANK TIZIMI RAQAMLI TRANSFORMATSIYASINING KONSEPTUAL MODELLARI

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  • Maftuna Nurmatova
Maftuna Nurmatova
TDIU, Raqamli iqtisodiyot yoʻnalishi magistranti.

Published 2025-10-31

Abstract

So‘nggi o‘n yillikda global moliyaviy tizim raqamli texnologiyalar ta’sirida tub o‘zgarishlarni boshdan kechirmoqda. Bank faoliyati modeli raqamli iqtisodiyot talablari asosida qayta shakllanib, an’anaviy xizmatlar o‘rnini tezkor, moslashuvchan va mijozga yo‘naltirilgan raqamli yechimlar egallamoqda [1]. Raqamli transformatsiya jarayonida rivojlangan mamlakatlar banklari o‘z strategiyalarini yangi konseptual modellarga asoslamoqda, ular ichida “open banking”, “ecosystem banking”, “AI-driven banking” va “cloud-based banking” kabi yondashuvlar yetakchi o‘rin tutmoqda [2].

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References

  1. 1. Deloitte. Global Digital Banking Maturity Report, 2024.
  2. 2. KPMG. Global Banking Transformation Trends 2025.
  3. 3. European Banking Authority. PSD2 and Open Banking Framework, Brussels, 2023.
  4. 4. McKinsey & Co. The Platformization of American Banking, 2024.
  5. 5. Accenture. Open APIs and Digital Banking Ecosystems in the U.S., 2023.
  6. 6. OECD. AI Applications in Financial Services in East Asia, 2024.
  7. 7. Ant Group. MYbank Digital Transformation Report, Hangzhou, 2023.
  8. 8. IBM Cloud Research. Future of Cloud-based Banking Infrastructure, 2024.
  9. 9. KPMG Japan. Cloud Migration in the Financial Sector: 2024 Review.
  10. 10. IMF. Digital Transformation in Banking: Conceptual Models and Global Lessons, 2025.
  11. 11. World Bank. Digital Finance and Financial Inclusion Report, 2024.