BANK XIZMATLARI DIVERSIFIKATSIYASIDA KIBERXAVFSIZLIKNI TA’MINLASH MASALALARI

Authors

  • Azimov Otabek Ma’mirjon o‘g‘li ATB “Biznesni rivojlantirish bank” Andijon BXM boshlig‘i, Author
  • Sobirjonov Sherdorbek Sherzodbek o‘g‘li Andijon davat texnika instituti “Bank ishi va audit” yo‘nalishi 4-kurs talabasi Author

Keywords:

Bank xizmatlari diversifikatsiyasi mijozlarga qulaylik yaratish, bank daromadlarini oshirish va raqobatbardoshlikni kuchaytirishda muhim omil hisoblanadi.

Abstract

Raqamli iqtisodiyotning jadal rivojlanishi bank tizimida yangi xizmat turlarining paydo bo‘lishiga olib kelmoqda. Hozirgi kunda tijorat banklari mobil banking, internet banking, QR-to‘lovlar, contactless to‘lovlar, onlayn kreditlash, elektron hamyon va masofaviy identifikatsiya kabi ko‘plab innovatsion xizmatlarni joriy qilmoqda. 

References

1. Cybersecurity Ventures. Global Cybercrime Report. – New York, 2024.

2. Kaspersky Lab. Financial Cyberthreats Report. – Moskva, 2024.

3. O‘zbekiston Respublikasi Markaziy banki ma’lumotlari. www.cbu.uz

4. Verizon. Data Breach Investigations Report (DBIR). – New York, 2024.

5. Gartner Research. Cybersecurity Spending Forecast. – Stamford, 2024

6. European Union. PSD2 – Payment Services Directive 2. – Brussels, 2023.

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Published

2026-05-20

Issue

Vol. 5 No. 52 (2026): FORMATION OF PSYCHOLOGY AND PEDAGOGY AS INTERDISCIPLINARY SCIENCES

Section

Articles