This article discusses the issue of limited ability to offer personalized services to clients in commercial banks of Uzbekistan due to insufficient analysis of their needs, financial status, and behavior. Banks offer standard services to clients, while personalized services are less widespread, which hinders customer attraction. The CRM system has not been fully implemented, and bank employees' skills in digital services are insufficient. The customer segmentation process is an effective tool for solving these problems and helps provide personalized services to clients. Segmentation helps banks improve services, increase competitiveness, and establish long-term relationships with clients.
| Mualliflar | Shamsiyeva , Yulduz, Шамсиева , Юлдуз, Shamsiyeva , Yulduz |
|---|---|
| Jurnal | Илғор иқтисодиёт ва педагогик технологиялар |
| Nashr sanasi | 2025-07-08 |
| Jild | 2 |
| Son | 3 |
| Betlar | 948-958 |
| Til | O‘zbek |
| DOI | 10.60078/3060-4842-2025-vol2-iss3-pp948-958 |
DOI: 10.60078/3060-4842-2025-vol2-iss3-pp948-958 · Maqolaning asl sahifasi
customer segmentation, bank services, digital services, customer needs, financial status, marketing strategy, customer loyalty, commercial banks, сегментация клиентов, банковские услуги, CRM система, цифровые услуги, потребности клиентов, финансовое состояние, лояльность клиентов, маркетинговая стратегия, коммерческие банки, mijozlarni segmentlash, bank xizmatlari, CRM tizimi, raqamli xizmatlar, mijozlar ehtiyojlari, moliyaviy holat, mijozlar sodiqligi, marketing strategiyasi, tijorat banklari
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