SCHOLAR ISSN: 2181-4147 VOLUME 1 | ISSUE 34 | 2023
https://t.me/openscholar Multidisciplinary Scientific Journal December, 2023
54
encountered in the development of digital banking services, and some practical
proposals and recommendations are given to solve these problems. In the practice of
commercial banks of Uzbekistan, it was analyzed on the basis of all accumulated
statistics on digital banking services. It also provides insights into what digital
banking is and how an improved banking system is created.
Keywords:
digital banking, digital innovation, mobile app, traditional banking,
communication centers, online credit, online savings.
KIRISH
Insoniyat
har kuni juda k
o‘
p ma
’
lumot oladi. Bu asosan mobil telefonlar,
internet, smartfonlarning tobora ortib borayotgan texnik imkoniyatlari, odamlarning
ijtimoiy tarmoqlarga jalb qilinishi va internet
tezligining oshishi bilan bo
g‘
liq.
Albatta, bugungi kunda biz axborot tizimidagi sezilarli
o‘
zgarishlar tufayli jamiyat,
hukumat, iqtisodiyot, biznes,
savdo va bankdagi tub
o‘
zgarishlarni kuzatishimiz
mumkin. Keling, raqamli bank nima va takomillashtirilgan bank tizimi qanday
yaratilganligi haqida gapiraylik.
Bank xizmatlarini modernizatsiyalash va soddalashtirish tizimi mamlakat
moliyaviy xizmatlarini rivojlantirishda muhim ahamiyat kasb etadi.
Bugungi kunda
axborot texnologiyalari, barcha sohalarda b
o‘
lgani kabi, bank tizimiga ham keng
joriy etilgan. Bank tizimida raqamli bankingni
rivojlantirish iqtisodiy
o‘
sishning
asosiy masalalaridan biri ekanligi, ayniqsa butun dunyo b
o‘
ylab hukm surayotgan
koronavirus pandemiyasi davrida ham yaqqol yuzaga chiqdi.
O‘zbekiston Respublikasi Prezidentining “O‘
zbekiston
Respublikasi Markaziy
bankining faoliyatini tubdan takomillashtirish chora-tadbirlari t
o‘g‘risida”gi PF5296
-
sonli farmoni
1
imzolangach, bank tizimiga chakana bank xizmatlariga ixtisoslashgan
“raqamli” banklar va bank bo‘
linmalarini tashkil etish hamda innovatsion bank
texnologiyalaridan foydalangan holda mijozlarga xizmat k
o‘
rsatish sifatini yanada
kengaytirish vazifasi yuklatilgan.
1
https://lex.uz/ru/docs/-3494933
