Илғор иқтисодиёт ва педагогик технологиялар 2-том 3-сан (2025) · 587-594-беттер
PROSPECTS AND EFFECTIVENESS OF THE INTRODUCTION OF THE “OPEN BANKING” BUSINESS MODEL BASED ON INTERNATIONAL EXPERIENCE
Rakhimova, Khavakhon, Nomozov, Umid, Рахимова, Хавахон, Номозов, Умид, Рахимова, Хавахон, Номозов, Умид
Аннотация
This article is aimed at studying the introduction of the “Open banking” business model into the financial sector of Uzbekistan as one of the strategic mechanisms ensuring the digital transformation of the economy. This model allows for the development of innovations, increased competition in the banking services market, and improved the quality of financial services provided to the population. The concept of “Open Banking” was studied with an emphasis on world practice and the experience of Great Britain, and the activities of banks operating in an open system were analyzed. Also, issues such as creating a reliable regulatory framework, strengthening security and confidentiality measures, and developing cooperation between banks, fintech companies, and regulators were studied. The purpose of the article is to draw attention to the expected risks, along with demonstrating the economic opportunities of the “Open Banking” business model in the process of its gradual implementation.
Open Bankingdigital transformationregulatory frameworkdata securityriskcompetitionquality of financial servicestechnologiesОткрытый банкингцифровая трансформация
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