Abstract
Ushbu tezisda, tijorat banklarida xizmat ko'rsatish samaradorligini oshirishda innovatsion texnologiyalarning o'rni va ularning joriy etilishi tahlil qilinadi. Tadqiqotda, ayniqsa Kapitalbank misolida, raqamli texnologiyalar, mobil ilovalar, sun'iy intellekt va avtomatlashtirish tizimlarining bank xizmatlariga ta'siri o'rganilgan. Innovatsion texnologiyalarni joriy etish orqali tijorat banklarining mijozlarga xizmat ko'rsatish jarayonlarini optimallashtirish, samaradorligini oshirish va mijozlar bilan munosabatlarni yaxshilash imkoniyatlari ko'rib chiqilgan. Tadqiqotda innovatsion texnologiyalarni qo'llashning amaliy jihatlari, ularning foydalari va potensial xatarlar tahlil etilgan. Ushbu ish, O'zbekistondagi tijorat banklari, xususan Kapitalbankning raqamli transformatsiya jarayonlarini chuqur o'rganishga qaratilgan va ushbu sohada samarali xizmat ko'rsatishning rivojlanishiga yordam beradi.
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