ISLOMIY BANKLARDA MOLIYAVIY TEXNOLOGIYALAR (FINTEX) TRANSFORMATSIYASI
DOI:
https://doi.org/10.5281/zenodo.18308897Keywords:
islomiy banklar, islomiy fintex, moliyaviy texnologiyalar, raqamli transformatsiya, internet-banking, shariatga muvofiq moliya, moliyaviy innovatsiyalar.Abstract
Mazkur maqolada islomiy banklar faoliyatida moliyaviy texnologiyalar (fintex) asosida yuz berayotgan raqamli transformatsiya jarayonlari ilmiy-tahliliy jihatdan tahlil qilingan. Tadqiqotda islomiy fintex tushunchasining mazmuni, uning shariat qoidalariga muvofiqligi hamda islomiy bank xizmatlarini modernizatsiya qilishdagi oʻrni yoritilgan. Shuningdek, internet-bankingni islomiy banklarda joriy etishga taʼsir etuvchi asosiy omillar – qabul qilinayotgan afzalliklar, ijtimoiy taʼsir, islomiy banklar boʻyicha bilim darajasi, xavf va murakkablik omillari tahlil qilingan. Maqolada islomiy fintexning ushbu omillar bilan internet-bankingni qabul qilish oʻrtasidagi vositachilik (mediator) roli asoslab berilgan. Tadqiqot natijalari islomiy banklar uchun raqamli strategiyalarni shakllantirish, moliyaviy xizmatlar sifatini oshirish va mijozlar ishonchini mustahkamlashda amaliy ahamiyatga ega.
References
1. O‘zbekiston Respublikasi Prezidentining 2025-yil 27-noyabrdagi “O‘zbekistonda moliyaviy texnologiyalar sohasini yanada rivojlantirish chora-tadbirlari to‘g‘risida”gi PQ-359-sonli qarori.
2. Oʻzbekiston Respublikasi Vazirlar Mahkamasining 2023-yil 23-noyabrdagi ““Tartibga solish qumdoni” maxsus huquqiy rejimini joriy etish chora-tadbirlari toʻgʻrisida”gi 617-sonli qarori.
3. Abdillah, L. A. (2020). FinTech e-commerce payment application user experience analysis during COVID-19 pandemic. Scientific Journal of Informatics.
4. Abdul Rafay, A., Sadiq, R., Ajmal, M., & others. (2019). FinTech and its impact on banking behavior: Evidence from Islamic finance. Journal of Islamic Finance.
5. Alalwan, A. A., Dwivedi, Y. K., Rana, N. P., & Williams, M. D. (2018). Consumer adoption of mobile banking in Islamic banks. Journal of Retailing and Consumer Services.
6. Bauer, H. H., Hammerschmidt, M., & Falk, T. (2006). Measuring the quality of e-banking portals. International Journal of Bank Marketing.
7. Fishbein, M., & Ajzen, I. (2010). Predicting and changing behavior: The reasoned action approach. New York: Psychology Press.
8. Firmansyah, I., & Anwar, M. (2019). Islamic financial technology (FinTech): Its challenges and prospects. Journal of Islamic Monetary Economics and Finance.
9. Gokmenoglu, K. K. (2020). Understanding Islamic banking: Principles and practices. Islamic Economic Studies.
10. Gupta, S., Yadav, A., & Varadarajan, R. (2008). The impact of internet banking on customer satisfaction. Journal of Financial Services Marketing.
11. Hasan, R., Paltrinieri, A., Dreassi, A., Khan, A., & Bahoo, S. (2020). Islamic FinTech: Overview, challenges and opportunities. Journal of Islamic Accounting and Business Research.
12. Johar, R. S., & Suhartanto, D. (2019). The adoption of online banking in Islamic banks. Journal of Islamic Marketing.
13. Kaur, P., Dhir, A., Singh, N., Sahu, G., & Almotairi, M. (2021). Adoption of digital banking services. International Journal of Information Management.
14. Khan Md Abdus Subhan, Siti Aida Samikon. Factors Influencing Internet Banking Adoption of Islamic Banking Industry: Mediating Impact of Islamic FinTech // The Seybold Report. – 2022. – Vol. 17. – Issue 6. – B. 1459–1468.
15. Leong, K., & Sung, A. (2018). FinTech (financial technology): What is it and how to use technologies to create business value in fintech way? International Journal of Innovation, Management and Technology.
16. Lichtenstein, S., & Williamson, K. (2006). Understanding consumer adoption of internet banking. Journal of Financial Services Marketing.
17. Mazuri, A. G., Daud, N. M., & Mohamed, S. (2017). Internet banking adoption: An empirical analysis. Asian Journal of Business Research.
18. Oseni, U. A., & Ali, S. N. (2019). FinTech in Islamic finance: Theory and practice. Routledge.
19. Rahi, S. (2019). Integration of UTAUT model in internet banking adoption. Journal of Islamic Marketing.
20. Riza, A. F. (2019). Factors influencing digital Islamic banking adoption. Journal of Islamic Banking and Finance.
21. Salmaan, S. (2017). Islamic FinTech: Shariah perspective and future opportunities. Islamic Finance Review.
22. Subhan, M. A., & Samikon, S. A. (2022). Factors influencing internet banking adoption of Islamic banking industry: Mediating impact of Islamic FinTech. Seybold Report, 17(6).
23. Umar, M., & Nazim, A. (2019). Revisiting the concept of Islamic FinTech. Journal of Islamic Finance.
24. Yusuf, M., Wahab, S. A., & others. (2018). Internet banking adoption and customer convenience. International Journal of Bank Marketing.
25. Нагимова А.З. Исламский финтех: цифровизatsiя исламских финансов // Мировая экономика и международные отношения. – 2022. – Т. 66. –№ 5. – стр. 50–58.
26. Straits Research xalqaro tadqiqot kompaniyasining “Islamic Finance Market Size, Trends & Growth Chart by 2033” hisoboti.
27. The Global Islamic Fintech Report 2023/24.
28. alif.uz - Alif kompaniyasining rasmiy sayti.
29. iman.uz - IMAN kompaniyasining rasmiy sayti.
