DIGITALIZATION PROCESSES IN THE BANKING SYSTEM AND THE DEVELOPMENT OF FINTECH SOLUTIONS
Keywords:
Kalit so‘zlar: Bank tizimini raqamlashtirish, FinTech yechimlari, moliyaviy texnologiyalar, raqamli transformatsiya, moliyaviy inklyuziya, bank innovatsiyalari, normativ muvofiqlik, kiberxavfsizlik.Abstract
Annotatsiya: Ushbu maqolada bank sektorida raqamlashtirish jarayonlari va FinTech yechimlarining rivojlanishi tahlil qilinadi. Tadqiqot raqamlashtirishning operatsion samaradorlik, mijozlar tajribasi va moliyaviy inklyuziyaga ta’siri, shuningdek, kiberxavfsizlik, normativ muvofiqlik va texnologik moslashuv kabi muammolarni o‘rganadi. Ilmiy adabiyotlar, amaliy misollar va statistik ma’lumotlar asosida FinTech texnologiyalarini joriy etish omillari, davlat siyosatining roli va an’anaviy bank modellari uchun oqibatlari yoritilgan. Natijalar shuni ko‘rsatadiki, bank sektorida muvaffaqiyatli raqamli transformatsiya texnologik innovatsiyalar bilan birga strategik hamkorlik, normativ muvofiqlik va mijozga yo‘naltirilgan doimiy yangiliklarni talab qiladi.
References
1. Arner, D. W., Barberis, J., & Buckley, R. P. (2016). The evolution of Fintech: A new post-crisis paradigm. Georgetown Journal of International Law, 47, 1271–1319.
2. Basel Committee on Banking Supervision. (2018). Sound Practices: Implications of FinTech developments for banks and bank supervisors. Bank for International Settlements. https://www.bis.org
3. Gomber, P., Koch, J. A., & Siering, M. (2018). Digital finance and FinTech: Current research and future research directions. Journal of Business Economics, 87(5), 537–580. https://doi.org/10.1007/s11573-018-0914-1
4. He, D., Leckow, R., Haksar, V., Mancini-Griffoli, T., Jenkinson, N., Kashima, M., Khiaonarong, T., Rochon, C., & Tourpe, H. (2017). Fintech and financial services: Initial considerations. IMF Staff Discussion Note SDN/17/05. International Monetary Fund.
5. KPMG. (2023). Pulse of FinTech H2 2022. KPMG International. https://home.kpmg
6. Nicoletti, B. (2017). The future of FinTech: Integrating finance and technology in financial services. Springer. https://doi.org/10.1007/978-3-319-51415-4
7. Puschmann, T. (2017). Fintech. Business & Information Systems Engineering, 59(1), 69–76. https://doi.org/10.1007/s12599-017-0464-6
8. PwC. (2022). Global FinTech report 2022. PricewaterhouseCoopers. https://www.pwc.com
9. World Bank. (2022). The Global Findex Database 2021: Financial inclusion, digital payments, and resilience in the age of COVID-19. Washington, DC: World Bank Group. https://www.worldbank.org
10. Zetzsche, D. A., Buckley, R. P., Arner, D. W., & Barberis, J. N. (2020). Regulating LIBRA: The transformative potential of Facebook’s cryptocurrency and possible regulatory responses. University of New South Wales Law Journal, 43(2), 472–514.
