{"id":800,"date":"2024-02-01T16:10:37","date_gmt":"2024-02-01T11:10:37","guid":{"rendered":"https:\/\/socis.uz\/?p=800"},"modified":"2024-05-22T14:17:49","modified_gmt":"2024-05-22T09:17:49","slug":"res_bank","status":"publish","type":"post","link":"https:\/\/socis.uz\/uz\/2024\/02\/01\/res_bank\/","title":{"rendered":"Bank haqiqati: mijozlar xizmatlar bilan qanday munosabatda bo’lishadi"},"content":{"rendered":"
\n\n\n

Bank sohasida doimiy o\u2018zgarishlar va jadal texnologik taraqqiyot sharoitida mijozlarning ehtiyojlarini tushunish va qondirish banklar muvaffaqiyatli faoliyatining asosiy elementiga aylanib bormoqda. Shu sabablarga ko’ra biz mijozlarning bank xizmatlariga oid fikr va tajribalarini tahlil qilish uchun tadqiqot o’tkazdik.<\/p>\n\n\n\n

Zamonaviy bank sektori ichki va tashqi omillar ta’sirida sezilarli o’zgarishlar davrini boshdan kechirmoqda. Pandemiya, raqamlashtirish, raqobat va iste’molchilarning xatti-harakatlaridagi o’zgarishlar banklar uchun yangi muammolar va imkoniyatlar yaratmoqda. Ushbu o’zgarishlarga muvaffaqiyatli moslashish uchun banklar o’z mijozlarining fikrlari va umidlarini hisobga olishlari kerak.<\/p>\n\n\n\n

Ushbu tadqiqotning maqsadi mijozlarning bank xizmatlari bilan o’zaro munosabatlarining asosiy jihatlarini tahlil qilishdir, xususan:<\/p>\n\n\n\n

Bank xizmatlaridan foydalanish va foydalanish chastotasi;
Bank xodimlarining kasbiy mahoratini baholash;
Ilovalarni qayta ishlash tezligini va navbatlar bilan to’qnashuvlarni idrok etish;
Turli hududlarda bank filiallarining mavjudligi;
Rag’batlantiruvchi takliflardan qoniqish;
Ushbu tahlilning dolzarbligi shundaki, mijozlarning talablari va talablari doimiy ravishda o’zgarib turadi va faqat puxta o’rganish banklarga bir qadam oldinda turishga yordam beradi.<\/p>\n\n\n\n

Tadqiqot 2023 yil aprel oyida onlayn so’rov usuli yordamida o’tkazildi. So\u2018rovda respublikaning turli hududlaridan 140 nafar respondent ishtirok etdi. Ayollar respondentlarning yarmidan ko’pini (55,7%), asosan 21-25 yoshdagilar (45,0%) tashkil qiladi. Respondentlarning aksariyati (45,7%) o’qiydi.<\/p>\n\n\n\n

Shuni ta’kidlash kerakki, bizning tadqiqotimiz cheklangan namuna hajmi va javoblarning potentsial sub’ektivligi kabi ma’lum cheklovlarga ega. Biroq, mavjud ma’lumotlarga asoslangan tahlilni amalga oshirish bank xizmatlaridan foydalanishning asosiy tendentsiyalarini ajratib ko’rsatishga yordam beradi.<\/p>\n\n\n\n

Natijalar shuni ko’rsatadiki, respondentlarning yarmidan ko’pi (44,3%) bank xizmatlaridan haftada bir necha marta yoki undan ko’proq foydalanadi, bu esa bank bilan faol hamkorlikni ta’kidlaydi. Biroq, 25,7% xizmatlardan kamroq – bir necha oyda bir marta foydalanishni afzal ko’radi.<\/p>\n\n\n\n

Mijozlarning aksariyati (57,9%) bank xodimlarining kasbiy mahorat darajasini o\u2018rtacha deb hisoblaydi. 26,4% professionallikni yuqori baholagan bo’lsa, muhim qismi (12,1%) qoniqishning pastligini bildiradi.<\/p>\n\n\n\n

Respondentlarning aksariyati (53,6%) bankda arizalarni ko\u2018rib chiqish tezligi o\u2018rtacha deb hisoblaydi. Biroq, 23,6% ishlov berish tez, deb hisoblaydi, bu samaradorlikni oshirish uchun ko’proq harakat qilish kerakligini ko’rsatishi mumkin.<\/p>\n\n\n\n

Bankdagi navbatlar mijozlarning muhim qismi uchun muammo bo’lib qolmoqda, 71,4% esa tez-tez yoki juda tez-tez bu holatga duch keladi. Bu banklar uchun o’z xizmatlarini yaxshilash va mijozlarning vaqt xarajatlarini kamaytirish uchun imkoniyatdir.<\/p>\n\n\n\n

Respondentlarning ko\u2018pchiligi (62,1%) bank filiallari o\u2018rtacha, 32,1% esa filiallardan doimo foydalanish mumkin, deb hisoblaydi. Bu mijozlarning xizmatlardan foydalanish ehtiyojlarini qondirish muhimligini ta’kidlaydi.<\/p>\n\n\n\n

Mijozlarning yarmi (51,4%) bankning reklama takliflaridan mamnun, biroq 43,6 foizdan ortig\u2018i o\u2018z noroziligini bildirgan. Bu marketing strategiyalarini sinchiklab tahlil qilish zarurligini ta’kidlaydi.<\/p>\n\n\n\n

Pul o\u02bbtkazmalari (31,9%) va valyuta ayirboshlash (23,0%) eng ko\u02bbp talabga ega. Respondentlarning 5,8 foizi kreditlardan foydalanadi. So\u2018rov natijalari xodimlarning professionalligi, arizalarni qayta ishlash tezligi va filiallardan foydalanish imkoniyati kabi asosiy sohalarda mijozlar ehtiyojini qondirish muhimligini ta\u2019kidlaydi. Ushbu jihatlarni optimallashtirish mijozlar ehtiyojini qondirishga sezilarli ta’sir ko’rsatishi va ularning bankka sodiqligini oshirishi mumkin.<\/p>\n\n\n\n

*Maqola onlayn tarjima xizmati yordamida tarjima qilingan, agar tarjimada xatolik topsangiz, izohlarda yozing<\/p>\n\n\n<\/div>","protected":false},"excerpt":{"rendered":"

Bank sohasida doimiy o\u2018zgarishlar va jadal texnologik taraqqiyot sharoitida mijozlarning ehtiyojlarini tushunish va qondirish banklar muvaffaqiyatli faoliyatining asosiy elementiga aylanib bormoqda. Shu sabablarga ko’ra biz mijozlarning bank xizmatlariga oid fikr va tajribalarini tahlil qilish uchun tadqiqot o’tkazdik.<\/p>\n","protected":false},"author":1,"featured_media":801,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[115,147,117,116,53,114,42,129,107,108,40,9,11,109],"translation":{"provider":"WPGlobus","version":"2.12.2","language":"uz","enabled_languages":["ru","uz","en"],"languages":{"ru":{"title":true,"content":true,"excerpt":true},"uz":{"title":true,"content":true,"excerpt":true},"en":{"title":true,"content":true,"excerpt":true}}},"yoast_head":"\nBank haqiqati: mijozlar xizmatlar bilan qanday munosabatda bo'lishadi - Socis.uz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/socis.uz\/2024\/02\/01\/res_bank\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank haqiqati: mijozlar xizmatlar bilan qanday munosabatda bo'lishadi - 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