ZAMONAVIY RAQAMLI TEXNOLOGIYALAR ASOSIDA TIJORAT BANKLARINING RAQOBATBARDOSHLIGINI OSHIRISH
DOI:
https://doi.org/10.65164/729jmz26Ключевые слова:
raqamli transformatsiya, bank raqobatbardoshligi, Digitalization Index, fintex, moliyaviy samaradorlik, panel tahlil.Аннотация
Mazkur maqolada zamonaviy raqamli texnologiyalarning tijorat banklari raqobatbardoshligiga ta’siri empirik jihatdan tahlil qilingan. Tadqiqot 2020-2025 yillar davomida O‘zbekistonning yirik tijorat banklari bo‘yicha panel ma’lumotlar asosida amalga oshirildi. Raqamli transformatsiya darajasi integral Digitalization Index (DI) orqali baholandi, bank raqobatbardoshligi esa moliyaviy va bozor ko‘rsatkichlari orqali aniqlandi. Empirik tahlil natijalariga ko‘ra, raqamli transformatsiya bank raqobatbardoshligiga ijobiy va statistik jihatdan ahamiyatli ta’sir ko‘rsatishi aniqlandi (β = 0.48; p < 0.01). Modelning determinatsiya koeffitsienti R² = 0.82 ni tashkil etdi. Olingan natijalar raqamli texnologiyalar banklar uchun strategik raqobat ustunligi manbai ekanligini tasdiqlaydi. Shuningdek, raqamli transformatsiya jarayonida risklarni boshqarish mexanizmlarini takomillashtirish zarurligi asoslab berildi.
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