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Bank Xizmatlarining Raqamlashtirilishi Darajasi Va Fintech Platformalarining Roli

Author

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  • Dilfuza Abdullayeva

Abstract

Ushbu maqola O‘zbekistonda bank xizmatlarining raqamlashtirilishi darajasini va FinTech platformalarining(mobil to‘lovlar, onlayn kreditlash, neobanklar, blokcheyn integratsatsiyasi) rolini tahlil qiladi. Tadqiqot 2023–2025-yillargaoid rasmiy statistik ma’lumotlar (Central Bank of the Republic of Uzbekistan, stat.uz, bankir.uz) hamda xalqaro tajribalar(UPI Hindiston, Pix Braziliya) asosida olib borilgan. Adabiyotlar sharhida mahalliy va xalqaro olimlar yondashuvlariko‘rib chiqilgan. Metodologiyada deskriptiv-statistik, komparativ va normativ-huquqiy usullar qo‘llanilgan. Tahlil natijalariO‘zbekistonda tezkor to‘lovlar tizimining (IPS) o‘sishi, FinTech ekotizimining rivojlanishida mobil to‘lovlar va onlaynkreditlashning alohida ahamiyati hamda blokcheyn texnologiyalarini integratsiya qilish bo‘yicha istiqbollarni ko‘rsatgan.Xalqaro tajriba bilan taqqoslaganda, O‘zbekistonda raqamli bank xizmatlari bo‘yicha potentsial yuqori bo‘lishiga qaramay,litsenziyalash va regulyatsiya mexanizmlarini yanada mustahkamlash zarurati aniqlangan. Maqola banklar, FinTechsubyektlari va regulyatorlar uchun strategik tavsiyalar beradi.

Suggested Citation

  • Dilfuza Abdullayeva, 2025. "Bank Xizmatlarining Raqamlashtirilishi Darajasi Va Fintech Platformalarining Roli," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 3(10), October.
    • Handle: RePEc:teu:ged000:v:3:y:2025:i:10:id:7534
    DOI: 10.5281/zenodo.17518839
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