RAQAMLI MOLIYAVIY XIZMATLAR SAMARADORLIGINI BAHOLASH METODLARINING RIVOJLANISH BOSQICHLARI

Fayziyeva Muyassarzoda Xancharovna

Iqtisodiyot fanlari bo’yicha falsafa doktori (PhD),

Mustaqil izlanuvchisi (DSc),

Tashkent International University,

fayzievamuyassar87@gmail.com

ORCID ID: 0000-0002-8019-6001

            Annotatsiya. So’nggi yillarda jamiyat a’zolari foydalanuvchi sifatida raqamli moliyaviy xizmatlardan faol foydalanib kelmoqda. Ushbu xizmatlardan foydalanish natijasida yuridik va jismoniy shaxslar o’z faoliyati va kundalik ishida vaqt, mablag’, qog’oz, yonilg’i, energiya va transport xarajatlari kabi resurslarni tejash imkoniyatiga ega bo’lmoqda. Shunga qaramay, raqamli moliyaviy xizmatlar samaradorligini baholash bo’yicha ilmiy tadqiqotlar olib borilishi hamda aniqlangan ma’lumotlar asosida to’g’ri qarorlar qabul qilinishi va tegishli chora-tadbirlar belgilanishi maqsadga muvofiqdir. Mazkur tadqiqotning maqsadi – raqamli moliyaviy xizmatlar samaradorligini baholashda qo’llaniladigan metodlar hamda ularning rivojlanish tendensiyalarini yoritib berishdan iborat. Bu maqsadga erishish uchun adabiyotlar sharhi usuli tanlanib, tadqiqot uchun 21 ta manba saralab olindi. Tadqiqot natijasida raqamli moliyaviy xizmatlar samaradorligini baholashning rivojlanish bosqichlari aniqlandi.

Kalit sozlar: raqamli moliyaviy xizmatlar, samaradorlikni baholash metodlari, rivojlanish bosqichlari

STAGES OF DEVELOPMENT OF METHODS FOR ASSESSING THE EFFICIENCY OF DIGITAL FINANCIAL SERVICES

Fayzieva Muyassarzoda Khancharovna

 PhD in Economics,
Independent Researcher (DSc),
Tashkent International University,
fayzievamuyassar87@gmail.com
ORCID ID: 0000-0002-8019-6001

Abstract. In recent years, members of society, as users, have been actively adopting various types of digital financial services. As a result of using these services, both legal entities and individuals have gained the ability to save resources such as time, funds, paper, fuel, energy, and transportation costs in their day-to-day operations and activities. Nevertheless, it is essential that scientific research be conducted to assess the efficiency of digital financial services, so that sound decisions and appropriate measures can be adopted based on the findings. The purpose of this study is to highlight the methods used to assess the efficiency of digital financial services and their development trends. To achieve this, the literature review method was selected, and 21 sources were chosen for the study. As a result of the research, the stages of development in assessing the efficiency of digital financial services were identified.

Key words: digital financial services, efficiency assessment methods, development stages.

ЭТАПЫ РАЗВИТИЯ МЕТОДОВ ОЦЕНКИ ЭФФЕКТИВНОСТИ ЦИФРОВЫХ ФИНАНСОВЫХ УСЛУГ

Файзиева Муяссарзода Ханчаровна

Доктор философии по экономическим наукам (PhD),
Независимый соискатель (DSc),
Ташкентский международный университет,
fayzievamuyassar87@gmail.com
ORCID ID: 0000-0002-8019-6001

Аннотация. В последние годы члены общества как пользователи всё активнее прибегают к различным видам цифровых финансовых услуг. В результате использования данных услуг юридические и физические лица получают возможность экономить такие ресурсы, как время, денежные средства, бумага, топливо, энергия и транспортные расходы, в своей повседневной деятельности. Тем не менее целесообразно проведение научных исследований по оценке эффективности цифровых финансовых услуг, а также принятие обоснованных решений и определение соответствующих мер на основе полученных данных. Целью данного исследования является освещение методов, применяемых для оценки эффективности цифровых финансовых услуг, и тенденций их развития. Для достижения этой цели был выбран метод обзора литературы, и для исследования было отобрано 21 источник. В результате исследования были определены этапы развития методов оценки эффективности цифровых финансовых услуг.

Ключевые слова: цифровые финансовые услуги, методы оценки эффективности, этапы развития.

https://zenodo.org/records/22308560

https://doi.org/10.5281/zenodo.22308560

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