KORPORATIV MIJOZLARGA INNOVATSION BANK XIZMATLARINI RIVOJLANTIRISHNING XORIJIY TAJRIBASI

To‘laev Safarmurod Boymuhammad o‘g‘li

mustaqil tadqiqotchi

Toshkent davlat iqtisodiyot universiteti

ORCID: 0009-0003-8740-6715

Annotatsiya. Ushbu maqolada korporativ mijozlarga innovatsion bank xizmatlarini rivojlantirishning xorijiy tajribasi tahlil qilingan. Buyuk Britaniya, AQSh, Singapur va boshqa rivojlangan moliya bozorlarida open banking, API-banking, real vaqt rejimidagi to‘lovlar, smart cash-management, raqamli trade finance, sun’iy intellekt hamda tokenlashtirilgan hisob-kitoblarning korporativ bankingdagi o‘rni yoritilgan. Shuningdek, yetakchi xorijiy banklarning korporativ va institutsional banking segmentlari bo‘yicha 2023–2025-yillardagi moliyaviy ko‘rsatkichlari qiyosiy tahlil qilinib, innovatsion xizmatlarning bank daromadlari va mijozlar bilan munosabatlar samaradorligiga ta’siri baholangan. Tadqiqot natijalari asosida xorijiy tajribaning samarali elementlarini O‘zbekiston tijorat banklari amaliyotiga bosqichma-bosqich moslashtirish bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan.

Kalit so‘zlar: korporativ mijoz, innovatsion bank xizmatlari, xorijiy tajriba, open banking, API-banking, smart cash-management, trade finance, sun’iy intellekt, tokenizatsiya, raqamli transformatsiya.

ЗАРУБЕЖНЫЙ ОПЫТ РАЗВИТИЯ ИННОВАЦИОННЫХ БАНКОВСКИХ УСЛУГ ДЛЯ КОРПОРАТИВНЫХ КЛИЕНТОВ

Тулаев Сафармурод Боймухаммад угли

независимый исследователь

Ташкентский государственный

экономический университет

ORCID: 0009-0003-8740-6715

Аннотация. В статье исследован зарубежный опыт развития инновационных банковских услуг для корпоративных клиентов. Рассмотрена роль open banking, API-banking, платежей в режиме реального времени, smart cash-management, цифрового trade finance, искусственного интеллекта и токенизированных расчетов в корпоративном банковском обслуживании Великобритании, США, Сингапура и других развитых финансовых рынков. Проведен сравнительный анализ финансовых показателей корпоративного и институционального банковского бизнеса ведущих зарубежных банков за 2023–2025 годы, а также оценено влияние инновационных услуг на доходность банков и эффективность взаимоотношений с корпоративными клиентами. На основе результатов исследования разработаны научно-практические предложения по поэтапной адаптации эффективных элементов зарубежного опыта к деятельности коммерческих банков Узбекистана.

Ключевые слова: корпоративный клиент, инновационные банковские услуги, зарубежный опыт, open banking, API-banking, smart cash-management, trade finance, искусственный интеллект, токенизация, цифровая трансформация.

FOREIGN EXPERIENCE IN THE DEVELOPMENT OF INNOVATIVE BANKING SERVICES FOR CORPORATE CLIENTS

Tolaev Safarmurod Boymuhammad ogli

Independent Researcher

Tashkent State University of Economics

ORCID: 0009-0003-8740-6715

Abstract. This article examines international experience in developing innovative banking services for corporate clients. It analyzes the role of open banking, API banking, real-time payments, smart cash management, digital trade finance, artificial intelligence, and tokenized settlement mechanisms in corporate banking across the United Kingdom, the United States, Singapore, and other developed financial markets. The study also provides a comparative analysis of the financial performance of corporate and institutional banking segments of leading international banks over the 2023–2025 period and assesses the impact of innovative services on bank revenues and the effectiveness of corporate client relationships. Based on the findings, scientific and practical recommendations are proposed for the gradual adaptation of effective international practices to the activities of commercial banks in Uzbekistan.

Keywords: corporate client, innovative banking services, international experience, open banking, API banking, smart cash management, trade finance, artificial intelligence, tokenization, digital transformation.

https://doi.org/10.5281/zenodo.22872592

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