Vol. 5 No. 6 (2026), Articles
Vol. 5 No. 6 (2026)

FINTECH KOMPANIYALARI VA RAQAMLI BANK XIZMATLARIDA KIBERXAVFSIZLIK TAVAKKALINI BAHOLASHNING STATISTIK-HUQUQIY ASOSLARI

Articles
Published 2026-10-01
Shakirova Nigora Axralovna
Tashkent State University of Economics PhD, Associate Professor Department of Economic statistics
Tugalov Elshod Zafar o‘g’li
Toshkent davlat iqtisodiyot universiteti Moliya fakulteti 2-kurs talabasi
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Keywords

kiberxavfsizlik, fintech, raqamli bank xizmatlari, operatsion tavakkal, statistik indikatorlar, tavakkal ostidagi qiymat (CyVaR), zarar taqsimoti yondashuvi, ISO/IEC 27001, shaxsiy ma’lumotlar himoyasi.

Abstract

Ushbu maqolada fintech-kompaniyalari va raqamli bank xizmatlarida yuzaga keladigan kiberxavfsizlik tavakkalini baholashning statistik-huquqiy asoslari tahlil qilinadi. Kiberhodisalarning chastotasi va zarar hajmini baholovchi statistik ko‘rsatkichlar, ekstremal qiymatlar nazariyasi (Extreme Value Theory) asosidagi modellar, operatsion tavakkal doirasidagi zarar taqsimoti yondashuvi (Loss Distribution Approach) hamda kiberxavfsizlik bo‘yicha tavakkal ostidagi qiymat (CyVaR) tushunchasining nazariy mohiyati yoritilgan. Shuningdek, xalqaro standartlar (ISO/IEC 27001, NIST Cybersecurity Framework, PCI DSS, Bazel operatsion tavakkal talablari) va O‘zbekiston milliy qonunchiligi (kiberxavfsizlik va shaxsiy ma’lumotlarni himoya qilish to‘g‘risidagi qonunlar) o‘rtasidagi uzviy bog‘liqlik ko‘rib chiqilgan. Tadqiqot natijalariga ko‘ra, statistik-miqdoriy baholash usullari bilan huquqiy tartibga solish mexanizmlarini birgalikda qo‘llash moliya sektorida kiberxavfsizlik darajasini oshirishning eng samarali yo‘li hisoblanadi.

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