This article examines the impact of Fintech technologies, automation processes, and the human factor on the efficiency of banking services. Based on the case of commercial banks in Uzbekistan, the study analyzes digital transformation processes and compares them with international practices. The findings indicate that Fintech automation, when combined with strong human capital, significantly increases service speed, accuracy, and customer satisfaction. The paper also proposes a “human–technology balance model” as a new conceptual approach to enhancing efficiency in the banking sector.
| Mualliflar | Xushvaqtov , Nodirbek, Хушвактов , Нодирбек, Xushvaqtov , Nodirbek |
|---|---|
| Jurnal | Иқтисодий тараққиёт ва таҳлил |
| Nashriyot | Ўзбекистон иқтисодиётини ривожлантиришнинг илмий-тадқиқот маркази |
| ISSN | 2992-877X |
| Nashr sanasi | 2025-11-28 |
| Jild | 3 |
| Son | 11 |
| Betlar | 279-285 |
| Til | Ingliz |
| Ilmiy soha | Iqtisodiyot |
| DOI | 10.60078/2992-877x-2025-vol3-iss11-pp279-285 |
| Indeksga qo‘shilgan | 2026-08-27 |
DOI: 10.60078/2992-877x-2025-vol3-iss11-pp279-285 · Maqolaning asl sahifasi
fintech, automation, human capital, banking efficiency, digital transformation, innovation, sustainable development, fintech, автоматизация, человеческий фактор, банковские услуги, цифровая трансформация, эффективность, инновации, fintech, avtomatlashtirish, inson omili, bank xizmatlari, raqamli transformatsiya, samaradorlik, innovatsiya
| APA | Xushvaqtov , Nodirbek, Хушвактов , Нодирбек, & Xushvaqtov , Nodirbek (2025). FINTECH, AUTOMATION AND THE HUMAN FACTOR: A NEW BALANCE MODEL IN BANKING SERVICE EFFICIENCY. Иқтисодий тараққиёт ва таҳлил, 3(11), 279-285. https://doi.org/10.60078/2992-877x-2025-vol3-iss11-pp279-285 |
|---|---|
| GOST (OAK) | Xushvaqtov , Nodirbek, Хушвактов , Нодирбек, Xushvaqtov , Nodirbek FINTECH, AUTOMATION AND THE HUMAN FACTOR: A NEW BALANCE MODEL IN BANKING SERVICE EFFICIENCY // Иқтисодий тараққиёт ва таҳлил. – 2025. – T. 3, № 11. – P. 279-285. – DOI: 10.60078/2992-877x-2025-vol3-iss11-pp279-285. |
| MLA | Xushvaqtov , Nodirbek, Хушвактов , Нодирбек, and Xushvaqtov , Nodirbek. “FINTECH, AUTOMATION AND THE HUMAN FACTOR: A NEW BALANCE MODEL IN BANKING SERVICE EFFICIENCY.” Иқтисодий тараққиёт ва таҳлил, 3(11), 279-285, 2025. https://doi.org/10.60078/2992-877x-2025-vol3-iss11-pp279-285 |
| Chicago | Xushvaqtov , Nodirbek, Хушвактов , Нодирбек, and Xushvaqtov , Nodirbek. “FINTECH, AUTOMATION AND THE HUMAN FACTOR: A NEW BALANCE MODEL IN BANKING SERVICE EFFICIENCY.” Иқтисодий тараққиёт ва таҳлил, 3(11), 279-285 (2025). https://doi.org/10.60078/2992-877x-2025-vol3-iss11-pp279-285 |
| Harvard | Xushvaqtov , Nodirbek, Хушвактов , Нодирбек, and Xushvaqtov , Nodirbek (2025) ‘FINTECH, AUTOMATION AND THE HUMAN FACTOR: A NEW BALANCE MODEL IN BANKING SERVICE EFFICIENCY’, Иқтисодий тараққиёт ва таҳлил, 3(11), 279-285. https://doi.org/10.60078/2992-877x-2025-vol3-iss11-pp279-285 |
| BibTeX | @article{xushvaqtovnodirbek2025,
title = {FINTECH, AUTOMATION AND THE HUMAN FACTOR: A NEW BALANCE MODEL IN BANKING SERVICE EFFICIENCY},
author = {Xushvaqtov , Nodirbek and Хушвактов , Нодирбек and Xushvaqtov , Nodirbek},
journal = {Иқтисодий тараққиёт ва таҳлил},
year = {2025},
volume = {3},
number = {11},
pages = {279-285},
doi = {10.60078/2992-877x-2025-vol3-iss11-pp279-285},
url = {https://doi.org/10.60078/2992-877x-2025-vol3-iss11-pp279-285}
} |
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