TIJORAT BANKLARIDA MIJOZLARNING RAQAMLI XULQ-ATVORI ASOSIDA BANK MAHSULOTLARINI PERSONALLASHTIRISH
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https://doi.org/10.5281/zenodo.21761818Kalit so‘zlar:
tijorat banki, bank mahsulotlari, personalizatsiya, raqamli xulq-atvor, mijozlarni segmentlash, RFM-D, Customer Lifetime Value, sun’iy intellekt.Abstrak
Mazkur maqolada tijorat banklarida mijozlarning raqamli xulq-atvori asosida bank mahsulotlarini personalizatsiyalashning nazariy va amaliy jihatlari tadqiq etilgan. Mijozlarning tranzaksion faolligi, raqamli kanallardan foydalanish chastotasi, mahsulotlar tarkibi va bank takliflariga munosabatini tahlil qilish imkoniyatlari yoritilgan. Tadqiqotda tizimli, qiyosiy va konseptual tahlil usullaridan foydalanilib, an’anaviy segmentlash hamda raqamli xulq-atvorga asoslangan yondashuvlar taqqoslangan. RFM-D, Customer Lifetime Value va mahsulotga moyillik ko‘rsatkichlari asosida mijozlarni segmentlash hamda individual takliflarni shakllantirish modeli taklif etilgan. Shuningdek, personalizatsiya jarayonida ma’lumotlar maxfiyligi, mijoz roziligi va algoritmik adolatlilikni ta’minlash zarurligi asoslangan.
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