Raqamli moliyaviy texnologiyalarni korxona darajasida joriy etish orqali moliyaviy barqarorlikka erishish strategiyasi
DOI:
https://doi.org/10.5281/zenodo.15624399Keywords:
Raqamli moliyaviy texnologiyalar, moliyaviy barqarorlik, FinTex, korxona moliyasi, raqamli transformatsiya, moliyaviy menejment, sun’iy intellekt, katta ma’lumotlar, blokcheyn texnologiyasi, elektron to‘lov tizimlari, moliyaviy samaradorlik, ERP tizimi, CRM tizimi.Abstract
Ushbu maqolada raqamli moliyaviy texnologiyalarni (FinTech) korxona darajasida joriy etish orqali
moliyaviy barqarorlikka erishish masalasi keng yoritilgan. Raqamli transformatsiya jarayonida moliyaviy boshqaruvni
avtomatlashtirish, real vaqt rejimida moliyaviy oqimlarni monitoring qilish, sun’iy intellekt va katta ma’lumotlar (Big Data)
asosida moliyaviy tahlilni amalga oshirish kabi ilg‘or yondashuvlar korxonaning moliyaviy qarorlarini yanada sifatli va
tezkor qabul qilishga xizmat qiladi.
Maqolada moliyaviy barqarorlik tushunchasi zamonaviy iqtisodiy sharoitlarda qayta ko‘rib chiqilib, uni ta’minlashda raqamli
texnologiyalarning afzalliklari asoslangan holda ko‘rsatilgan. Jumladan, elektron to‘lov tizimlari, blokcheyn texnologiyasi,
ERP (Enterprise Resource Planning) va CRM (Customer Relationship Management) tizimlarining moliyaviy xavflarni
kamaytirish va shaffoflikni ta’minlashdagi roli amaliy misollar orqali ochib berilgan.
Tadqiqot yakunida esa, raqamli moliyaviy texnologiyalarni korxonaga integratsiya qilish orqali nafaqat ichki boshqaruv
tizimi soddalashtirilishi, balki investorlar, kreditorlar va boshqa tashqi manfaatdor tomonlar bilan munosabatlar
samaradorligi ortishi ham ta’kidlangan. Maqolada ilgari surilgan ilmiy asoslangan taklif va tavsiyalar korxonalar uchun
moliyaviy barqarorlikni mustahkamlashda muhim nazariy va amaliy asos bo‘lib xizmat qilishi mumkin.
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