MIJOZLARGA YO‘NALTIRILGAN BANK XIZMATLARI SIFATINI RIVOJLANTIRISH STRATEGIYASI
DOI:
https://doi.org/10.54613/ku.v16i.1509Keywords:
mijozga yo‘naltirilgan bank modeli, servis strategiyasi, bank xizmatlari sifati evolyutsiyasi, qiymat yaratish tizimi, raqamli transformatsiya, personalizatsiya mexanizmlari, institutsional moslashuvchanlik, strategik boshqaruv, moliyaviy innovatsiya, bank ekotizimiAbstract
Mazkur ilmiy maqolada mijozlarga yo‘naltirilgan bank xizmatlari sifatini rivojlantirishning strategik asoslari zamonaviy moliyaviy ekotizim transformatsiyasi sharoitida tadqiq etiladi. Tadqiqotda bank xizmatlari sifati operatsion ko‘rsatkichlar yig‘indisi sifatida emas, balki mijoz tajribasini boshqarish, qiymat yaratish arxitekturasi va institutsional moslashuvchanlikni o‘zida mujassam etgan ko‘p darajali boshqaruv kategoriyasi sifatida talqin qilinadi. Maqolada servis strategiyasining evolyutsion bosqichlari tahlil qilinib, mijoz ehtiyojlari dinamikasi, raqamli kanallar integratsiyasi hamda personalizatsiya mexanizmlarining sifat rivojlanishidagi o‘rni asoslab beriladi. Shuningdek, bank xizmatlari sifatini rivojlantirishning tizimli strategik modeli ishlab chiqilib, unda tashkiliy transformatsiya, innovatsion texnologiyalar va mijoz qiymati sinergiyasi o‘rtasidagi o‘zaro bog‘liqlik ilmiy jihatdan izohlanadi. Tadqiqot natijalari banklarning uzoq muddatli barqarorligi va raqobat ustunligini shakllantirishda mijozga yo‘naltirilgan yondashuv strategik determinant ekanini ko‘rsatadi.
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