{"id":"https://openalex.org/W4409465345","doi":"https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp157-162","title":"\u041c\u0415\u0416\u0414\u0423\u041d\u0410\u0420\u041e\u0414\u041d\u042b\u0419 \u041e\u041f\u042b\u0422 \u041f\u0420\u0418\u041c\u0415\u041d\u0415\u041d\u0418\u042f \u0424\u0418\u041d\u0410\u041d\u0421\u041e\u0412\u042b\u0425 \u0422\u0415\u0425\u041d\u041e\u041b\u041e\u0413\u0418\u0419 \u0412 \u0414\u0415\u042f\u0422\u0415\u041b\u042c\u041d\u041e\u0421\u0422\u0418 \u041a\u041e\u041c\u041c\u0415\u0420\u0427\u0415\u0421\u041a\u0418\u0425 \u0411\u0410\u041d\u041a\u041e\u0412 \u041f\u041e \u041a\u0420\u0415\u0414\u0418\u0422\u041e\u0412\u0410\u041d\u0418\u042e","display_name":"\u041c\u0415\u0416\u0414\u0423\u041d\u0410\u0420\u041e\u0414\u041d\u042b\u0419 \u041e\u041f\u042b\u0422 \u041f\u0420\u0418\u041c\u0415\u041d\u0415\u041d\u0418\u042f \u0424\u0418\u041d\u0410\u041d\u0421\u041e\u0412\u042b\u0425 \u0422\u0415\u0425\u041d\u041e\u041b\u041e\u0413\u0418\u0419 \u0412 \u0414\u0415\u042f\u0422\u0415\u041b\u042c\u041d\u041e\u0421\u0422\u0418 \u041a\u041e\u041c\u041c\u0415\u0420\u0427\u0415\u0421\u041a\u0418\u0425 \u0411\u0410\u041d\u041a\u041e\u0412 \u041f\u041e \u041a\u0420\u0415\u0414\u0418\u0422\u041e\u0412\u0410\u041d\u0418\u042e","publication_year":2025,"publication_date":"2025-03-30","ids":{"openalex":"https://openalex.org/W4409465345","doi":"https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp157-162"},"language":"ru","primary_location":{"id":"doi:10.60078/3060-4842-2025-vol2-iss2-pp157-162","doi":"https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp157-162","is_oa":true,"landing_page_url":"https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp157-162","pdf_url":"https://sci-p.uz/index.php/aept/article/download/2425/2261","source":{"id":"https://openalex.org/S4404662210","display_name":"Ilg\u02bbor iqtisodiyot va pedagogik texnologiyalar.","issn_l":"3060-4842","issn":["3060-4842"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Ilg\u02bbor iqtisodiyot va pedagogik texnologiyalar","raw_type":"journal-article"},"parent_works":[],"lineage":["https://openalex.org/W4409465345"],"child_works_count":0,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"https://sci-p.uz/index.php/aept/article/download/2425/2261","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5116208901","display_name":"\u0411\u0430\u0445\u043e\u0434\u0438\u0440 \u0421\u0438\u0434\u0438\u043a\u043e\u0432","orcid":"https://orcid.org/0009-0002-7407-5753","observed_orcids":["https://orcid.org/0009-0002-7407-5753"]},"institutions":[{"id":"https://openalex.org/I4405255361","display_name":"Tashkent International University","ror":"https://ror.org/02xt0e812","country_code":"UZ","type":"education","lineage":["https://openalex.org/I4405255361"]}],"countries":["UZ"],"is_corresponding":true,"raw_author_name":"\u0411\u0430\u0445\u043e\u0434\u0438\u0440 \u0421\u0438\u0434\u0438\u043a\u043e\u0432","raw_affiliation_strings":["\u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u0438\u0439 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0439 \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442"],"raw_orcid":"https://orcid.org/0009-0002-7407-5753","affiliations":[{"raw_affiliation_string":"\u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u0438\u0439 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0439 \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442","institution_ids":["https://openalex.org/I4405255361"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5116208901"],"corresponding_institution_ids":["https://openalex.org/I4405255361"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"2","issue":"2","first_page":"157","last_page":"162"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9409000277519226,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9409000277519226,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.05649999901652336,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.0008999999845400453,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.9359999895095825},{"id":"https://openalex.org/keywords/commercial-banks","display_name":"commercial banks","score":0.8500000238418579},{"id":"https://openalex.org/keywords/lending","display_name":"lending","score":0.6259999871253967},{"id":"https://openalex.org/keywords/credit-approval","display_name":"credit approval","score":0.8460000157356262},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"artificial intelligence","score":0.9369999766349792},{"id":"https://openalex.org/keywords/big-data","display_name":"big data","score":0.9929999709129333},{"id":"https://openalex.org/keywords/blockchain","display_name":"blockchain","score":1.0},{"id":"https://openalex.org/keywords/machine-learning","display_name":"machine learning","score":0.996999979019165},{"id":"https://openalex.org/keywords/operational-risk","display_name":"operational risk","score":0.8799999952316284},{"id":"https://openalex.org/keywords/customer-experience","display_name":"customer experience","score":0.9950000047683716}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.259951114654541}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.60078/3060-4842-2025-vol2-iss2-pp157-162","doi":"https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp157-162","is_oa":true,"landing_page_url":"https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp157-162","pdf_url":"https://sci-p.uz/index.php/aept/article/download/2425/2261","source":{"id":"https://openalex.org/S4404662210","display_name":"Ilg\u02bbor iqtisodiyot va pedagogik texnologiyalar.","issn_l":"3060-4842","issn":["3060-4842"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Ilg\u02bbor iqtisodiyot va pedagogik texnologiyalar","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.60078/3060-4842-2025-vol2-iss2-pp157-162","doi":"https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp157-162","is_oa":true,"landing_page_url":"https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp157-162","pdf_url":"https://sci-p.uz/index.php/aept/article/download/2425/2261","source":{"id":"https://openalex.org/S4404662210","display_name":"Ilg\u02bbor iqtisodiyot va pedagogik texnologiyalar.","issn_l":"3060-4842","issn":["3060-4842"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Ilg\u02bbor iqtisodiyot va pedagogik texnologiyalar","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure","score":0.48739999532699585}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4409465345.pdf","grobid_xml":"https://content.openalex.org/works/W4409465345.grobid-xml"},"referenced_works_count":2,"referenced_works":["https://openalex.org/W4399582330","https://openalex.org/W4408085802"],"related_works":["https://openalex.org/W7166358508","https://openalex.org/W7083632457","https://openalex.org/W4313825175","https://openalex.org/W7044224943","https://openalex.org/W6944607283","https://openalex.org/W6965023530","https://openalex.org/W6968143212","https://openalex.org/W7124800498","https://openalex.org/W4409595324","https://openalex.org/W4388565538"],"abstract_inverted_index":{"\u0412":[0],"\u0441\u0442\u0430\u0442\u044c\u0435":[1],"\u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u0435\u0442\u0441\u044f":[2],"\u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0439":[3],"\u043e\u043f\u044b\u0442":[4],"\u043f\u0440\u0438\u043c\u0435\u043d\u0435\u043d\u0438\u044f":[5],"\u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445":[6],"\u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439":[7],"(\u0444\u0438\u043d\u0442\u0435\u0445)":[8],"\u0432":[9],"\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0438":[10],"\u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u043c\u0438":[11],"\u0431\u0430\u043d\u043a\u0430\u043c\u0438.":[12],"\u041e\u0441\u043e\u0431\u043e\u0435":[13],"\u0432\u043d\u0438\u043c\u0430\u043d\u0438\u0435":[14],"\u0443\u0434\u0435\u043b\u0435\u043d\u043e":[15],"\u0432\u043b\u0438\u044f\u043d\u0438\u044e":[16],"\u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0445":[17],"\u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439,":[18],"\u0442\u0430\u043a\u0438\u0445":[19],"\u043a\u0430\u043a":[20,33],"\u0438\u0441\u043a\u0443\u0441\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0439":[21],"\u0438\u043d\u0442\u0435\u043b\u043b\u0435\u043a\u0442,":[22],"\u0431\u043e\u043b\u044c\u0448\u0438\u0435":[23],"\u0434\u0430\u043d\u043d\u044b\u0435,":[24],"\u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d":[25],"\u0438":[26,43],"\u043c\u0430\u0448\u0438\u043d\u043d\u043e\u0435":[27],"\u043e\u0431\u0443\u0447\u0435\u043d\u0438\u0435,":[28],"\u043d\u0430":[29],"\u043f\u0440\u043e\u0446\u0435\u0441\u0441":[30],"\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f.":[31],"\u041e\u0431\u0441\u0443\u0436\u0434\u0430\u0435\u0442\u0441\u044f,":[32],"\u0444\u0438\u043d\u0442\u0435\u0445":[34],"\u0441\u043f\u043e\u0441\u043e\u0431\u0441\u0442\u0432\u0443\u0435\u0442":[35],"\u0443\u0441\u043a\u043e\u0440\u0435\u043d\u0438\u044e":[36],"\u043f\u0440\u043e\u0446\u0435\u0441\u0441\u0430":[37],"\u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u044f":[38],"\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432,":[39],"\u0441\u043d\u0438\u0436\u0435\u043d\u0438\u044e":[40],"\u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0445":[41],"\u0440\u0438\u0441\u043a\u043e\u0432":[42],"\u0443\u043b\u0443\u0447\u0448\u0435\u043d\u0438\u044e":[44],"\u043a\u043b\u0438\u0435\u043d\u0442\u0441\u043a\u043e\u0433\u043e":[45],"\u043e\u043f\u044b\u0442\u0430.":[46]},"counts_by_year":[],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2025-04-16T00:00:00"}
