RAQAMLI BANKLARDA MIJOZLARNI USHLAB QOLISH UCHUN STRATEGIYALAR ISHLAB CHIQISH AMALIYOTINI TAKOMILLASHTIRISH (“TENGE BANK” ATB MISOLIDA)
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Kalit so‘zlar: raqamli bank, mijozlarni ushlab qolish, mijozlar sodiqligi, CRM tizimi, raqamli marketing, data analytics, bank strategiyasi, mijozlar tajribasi (customer experience), innovatsion xizmatlar, Tenge Bank ATB., Keywords: digital banking, customer retention, customer loyalty, CRM system, digital marketing, data analytics, banking strategy, customer experience, innovative services, Tenge Bank JSCB.Abstract
Annotatsiya. Mazkur maqolada raqamli banklarda mijozlarni ushlab qolish strategiyalarini ishlab chiqish va ularni takomillashtirish masalalari “Tenge Bank” ATB misolida tahlil qilinadi. Tadqiqotda mijozlar xulq-atvori, raqamli xizmatlar sifati, sodiqlik dasturlari, shaxsiylashtirilgan takliflar va CRM tizimlaridan samarali foydalanish omillari o‘rganilgan. Shuningdek, mijozlar ehtiyojlarini aniqlashda ma’lumotlar tahlili (data analytics) va raqamli marketing vositalarining ahamiyati yoritilgan. Amaliy tahlillar asosida bank faoliyatida mijozlar oqimini kamaytirish, sodiqlikni oshirish hamda uzoq muddatli hamkorlikni ta’minlashga qaratilgan taklif va tavsiyalar ishlab chiqilgan. Tadqiqot natijalari raqamli transformatsiya sharoitida banklar raqobatbardoshligini oshirishga xizmat qiladi.
Abstract. This article examines the development and improvement of customer retention strategies in digital banks, using “Tenge Bank” JSCB as a case study. The research analyzes key factors influencing customer retention, including customer behavior, quality of digital services, loyalty programs, personalized offers, and the effective use of CRM systems. The study also highlights the importance of data analytics and digital marketing tools in identifying customer needs and enhancing engagement. Based on practical analysis, recommendations are proposed to reduce customer churn, increase customer loyalty, and ensure long-term relationships between the bank and its clients. The findings contribute to strengthening the competitiveness of banks in the context of digital transformation.
