FINTECH KOMPANIYALARI VA AN’ANAVIY BANKLAR O‘RTASIDAGI HAMKORLIK
##semicolon##
Kalit so‘zlar: banklar, hamkorlik, Fintech, kreditlash, investitsiya, strategiya, raqobat, iqtisodiyot, sun’iy intellekt, innovatsiya.##article.abstract##
Ushbu maqola “Fintech kompaniyalari va an’anaviy banklar o‘rtasidagi hamkorlik” mavzusini yoritadi. Maqolada hamkorlikning asosiy yo‘nalishlari — to‘lov xizmatlari, kreditlash, investitsiya xizmatlari va ma’lumotlar tahlili ko‘rib chiqiladi. Shuningdek, hamkorlikning afzalliklari, masalan, mijozlarga qulaylik va xarajatlarni kamaytirish, hamda qiyinchiliklari — xavfsizlik masalalari va huquqiy cheklovlar muhokama qilinadi. Xulosa sifatida, fintech va banklar o‘rtasidagi hamkorlikning kelajagi va uning raqamli iqtisodiyot rivojiga ta’siri haqida fikrlar bildiriladi.
##submission.citations##
1. Anagnostopoulos, I. (2018). Fintech and regtech: Impact on regulators and banks. Journal of Economics and Business, 100, 7-25.
2. Brandl, B., & Hornuf, L. (2020). Where did FinTechs come from, and where do they go? The transformation of the financial industry in Germany after digitalization. Frontiers in Artificial Intelligence, 3, 8.
3. Gomber, P., Koch, J. A., & Siering, M. (2017). Digital Finance and FinTech: current research and future research directions. Journal of Business Economics, 87(5), 537-580.
4. Jagtiani, J., & John, K. (2018). Fintech: The impact on consumers and regulatory responses. Journal of Economics and Business, 100, 1-6.
5. Navaretti, G. B., Calzolari, G., & Pozzolo, A. F. (2018). FinTech and Banks: Friends or Foes? European Economy: Banks, Regulation, and the Real Sector, 2017.2, 9-30.
6. Vives, X. (2019). Digital disruption in banking. Annual Review of Financial Economics, 11, 243- 272.
