TIJORAT BANKLARI SAMARADORLIGINI OSHIRISHDA “BIG DATA” TEXNOLOGIYASINING O’RNI
DOI:
https://doi.org/10.54613/ku.v15i.1191Keywords:
Big data, tijorat banklari, iqtisodiy samaradorlik, marketing, kredit riski, bozor iqtisodiyotiAbstract
Raqamli transformatsiya jarayonlari bank sektorida tub o‘zgarishlarga sabab bo‘layotgan bir paytda, Big Data texnologiyalari tijorat banklarining operatsion samaradorligini oshirishda muhim o‘rin tutmoqda. Ushbu maqolada tijorat banklari faoliyatida katta hajmdagi ma’lumotlarni yig‘ish, tahlil qilish va ulardan samarali foydalanish imkoniyatlari tahlil qilinadi. Big Data asosida kredit risklarini baholash, mijozlarga individual xizmat ko‘rsatish, firibgarlikni aniqlash hamda qaror qabul qilish jarayonlarini avtomatlashtirish orqali banklar raqobatbardoshligini oshirishi mumkinligi ko‘rsatib o‘tiladi. Shuningdek, maqolada Big Data texnologiyasini joriy etishdagi asosiy to‘siqlar, axborot xavfsizligi masalalari va muvaffaqiyatli jahon tajribalari misolida muhokama qilinadi. Tadqiqot natijalari tijorat banklari rahbarlari va IT-mutaxassislari uchun amaliy tavsiyalarni taklif etadi.
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