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

Илғор иқтисодиёт ва педагогик технологиялар · 2025-yil

Annotatsiya

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.

Maqola ma’lumotlari
MualliflarRakhimova , Khavakhon, Nomozov , Umid, Рахимова , Хавахон, Номозов , Умид, Рахимова , Хавахон, Номозов , Умид
JurnalИлғор иқтисодиёт ва педагогик технологиялар
NashriyotТошкент давлат иқтисодиёт университети ҳузуридаги «Ўзбекистон иқтисодиётини ривожлантиришнинг илмий асослари ва муаммолари» илмий-тадқиқот маркази
ISSN1994-2025
Nashr sanasi2025-06-20
Jild2
Son3
Betlar587-594
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.60078/3060-4842-2025-vol2-iss3-pp587-594
Indeksga qo‘shilgan2026-08-26

DOI: 10.60078/3060-4842-2025-vol2-iss3-pp587-594 · Maqolaning asl sahifasi

Kalit so‘zlar

Open Banking, digital transformation, regulatory framework, data security, risk, competition, quality of financial services, technologies, Открытый банкинг, цифровая трансформация, нормативно-правовая база, безопасность данных, риск, конкуренция, качество финансовых услуг, технологии, Open banking, рақамли трансформация, меъёрий база, маълумотлар хавфсизлиги, хавф, рақобат, молиявий хизматлар сифати, технологиялар

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APARakhimova , Khavakhon, Nomozov , Umid, Рахимова , Хавахон, Номозов , Умид, Рахимова , Хавахон, & Номозов , Умид (2025). PROSPECTS AND EFFECTIVENESS OF THE INTRODUCTION OF THE “OPEN BANKING” BUSINESS MODEL BASED ON INTERNATIONAL EXPERIENCE. Илғор иқтисодиёт ва педагогик технологиялар, 2(3), 587-594. https://doi.org/10.60078/3060-4842-2025-vol2-iss3-pp587-594
GOST (OAK)Rakhimova , Khavakhon va b. PROSPECTS AND EFFECTIVENESS OF THE INTRODUCTION OF THE “OPEN BANKING” BUSINESS MODEL BASED ON INTERNATIONAL EXPERIENCE // Илғор иқтисодиёт ва педагогик технологиялар. – 2025. – T. 2, № 3. – P. 587-594. – DOI: 10.60078/3060-4842-2025-vol2-iss3-pp587-594.
MLARakhimova , Khavakhon, Nomozov , Umid, Рахимова , Хавахон, Номозов , Умид, Рахимова , Хавахон, and Номозов , Умид. “PROSPECTS AND EFFECTIVENESS OF THE INTRODUCTION OF THE “OPEN BANKING” BUSINESS MODEL BASED ON INTERNATIONAL EXPERIENCE.” Илғор иқтисодиёт ва педагогик технологиялар, 2(3), 587-594, 2025. https://doi.org/10.60078/3060-4842-2025-vol2-iss3-pp587-594
ChicagoRakhimova , Khavakhon, Nomozov , Umid, Рахимова , Хавахон, Номозов , Умид, Рахимова , Хавахон, and Номозов , Умид. “PROSPECTS AND EFFECTIVENESS OF THE INTRODUCTION OF THE “OPEN BANKING” BUSINESS MODEL BASED ON INTERNATIONAL EXPERIENCE.” Илғор иқтисодиёт ва педагогик технологиялар, 2(3), 587-594 (2025). https://doi.org/10.60078/3060-4842-2025-vol2-iss3-pp587-594
HarvardRakhimova , Khavakhon, Nomozov , Umid, Рахимова , Хавахон, Номозов , Умид, Рахимова , Хавахон, and Номозов , Умид (2025) ‘PROSPECTS AND EFFECTIVENESS OF THE INTRODUCTION OF THE “OPEN BANKING” BUSINESS MODEL BASED ON INTERNATIONAL EXPERIENCE’, Илғор иқтисодиёт ва педагогик технологиялар, 2(3), 587-594. https://doi.org/10.60078/3060-4842-2025-vol2-iss3-pp587-594
BibTeX
@article{rakhimovakhavakhon2025,
  title = {PROSPECTS AND EFFECTIVENESS OF THE INTRODUCTION OF THE “OPEN BANKING” BUSINESS MODEL BASED ON INTERNATIONAL EXPERIENCE},
  author = {Rakhimova , Khavakhon and Nomozov , Umid and Рахимова , Хавахон and Номозов , Умид and Рахимова , Хавахон and Номозов , Умид},
  journal = {Илғор иқтисодиёт ва педагогик технологиялар},
  year = {2025},
  volume = {2},
  number = {3},
  pages = {587-594},
  doi = {10.60078/3060-4842-2025-vol2-iss3-pp587-594},
  url = {https://doi.org/10.60078/3060-4842-2025-vol2-iss3-pp587-594}
}

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