RAQAMLI BANKLARNING RIVOJLANISHIDA “OCHIQ BANK” TUSHUNCHASINING AHAMIYATI
DOI:
https://doi.org/10.65164/s0xe8524Keywords:
ochiq bank (Open Banking), API texnologiyalari, raqamli banklar, fintex kompaniyalari, ommaviy API, raqamli moliyaviy ekotizim, raqobat va innovatsiyalar.Abstract
Mazkur maqolada raqamli banklarning rivojlanishida ochiq bank (Open Banking) konsepsiyasining o‘rni va ahamiyati tahlil qilinadi. Tadqiqot jarayonida ochiq bankning nazariy asoslari, API texnologiyalariga tayangan ichki, hamkorlik va ommaviy API modellarining funksional xususiyatlari hamda ularning bank–fintex ekotizimidagi roli o‘rganildi. Tahlil natijalari ommaviy API modeli raqobatni kuchaytirish, moliyaviy xizmatlarni shaxsiylashtirish va innovatsiyalarni jadallashtirishda muhim ahamiyat kasb etishini ko‘rsatdi. Shu bilan birga, ochiq bank mexanizmlarining yetarli darajada me’yoriy-huquqiy tartibga solinmagan sharoitida banklarning “darvoza qo‘riqchisi” rolini saqlab qolishi bozor ochiqligi va innovatsion rivojga to‘sqinlik qilishi mumkinligi aniqlandi. Olingan xulosalar ochiq bankni samarali joriy etish texnologik infratuzilma bilan bir qatorda raqobatni ta’minlovchi va mijoz manfaatlarini himoya qiluvchi huquqiy mexanizmlarni shakllantirish zarurligini asoslaydi
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