FINTECH, AVTOMATLASHTIRISH VA INSON OMILI: BANK XIZMATLARI SAMARADORLIGIDA YANGI MUVOZANAT MODELI
DOI:
https://doi.org/10.60078/2992-877X-2025-vol3-iss11-pp279-285Annotasiya
Ushbu maqolada Fintech texnologiyalari, avtomatlashtirish jarayonlari va inson omilining bank xizmatlari samaradorligiga ta’siri o‘rganilgan. Tadqiqotda O‘zbekiston tijorat banklari misolida raqamli transformatsiya jarayonlari tahlil qilinib, xorijiy mamlakatlar tajribasi bilan solishtirma tahlil o‘tkazildi. Natijalar shuni ko‘rsatdiki, Fintech avtomatlashtirish inson kapitali bilan uyg‘unlashgan holda qo‘llanilganda bank xizmatlari tezligi, aniqligi va mijozlar qoniqishi sezilarli darajada oshadi. Shuningdek, tadqiqotda “inson-texnologiya muvozanat modeli” konsepsiyasi ishlab chiqilib, bank tizimida samaradorlikni ta’minlovchi yangi yondashuv sifatida taklif etildi.
Kalit so‘zlar:
fintech avtomatlashtirish inson omili bank xizmatlari raqamli transformatsiya samaradorlik innovatsiyaBibliografik manbalar
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