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Oʻzbekistonda Raqamli Toʻlov Infratuzilmasini Shakillanishi Va Rivojlanish Dinamikasi: Tarixiy, Ilmiy Hamda Bozor Tahlili

Author

Listed:
  • A.A. Akbarov
  • X.R. Aliyev

Abstract

Ushbu maqola Oʻzbekiston toʻlov tizimlarining 1991–2025-yillar davomida sodir boʻlgan bosqichma-bosqichevolyutsiyasini har tomonlama oʻrganishga bagʻishlangan. Tadqiqotda toʻlov tizimining tarixiy shakllanishi besh asosiyrivojlanish bosqichi orqali yoritiladi: elektronlashtirishning boshlanishi, markazlashgan kliring mexanizmlarining joriyetilishi, telekommunikatsiya va axborot xavfsizligi infratuzilmasining kuchaytirilishi, sunʼiy intellektni sohada qoʻllanilishi,milliy protsessing markazlari va bank kartalari tizimining kengayishi hamda 2019-yildan keyingi innovatsion moliyaviytexnologiyalar davri. Mazkur bosqichlarning har biri Oʻzbekiston moliya tizimi barqarorligi va iqtisodiy faolligining oshishidamuhim omil sifatida tahlil qilinadi.Maqolada 2020–2025-yillar oraligʻida litsenziya olgan 44 ta toʻlov tashkilotining shakllanishi, ularning bozor segmentlariboʻyicha taqsimlanishi, raqobat muhiti va raqamli toʻlov xizmatlarining kengayish dinamikasi grafik va diagrammalarasosida batafsil tahlil etilgan. Raqamli toʻlovlarning ommalashuvi, QR-kodli tranzaksiyalar, real vaqt rejimidagi tezkortoʻlovlar tizimi (T2T)ning qoʻllanilishi hamda moliyaviy texnologiya ekotizimining jadal rivoji mamlakat iqtisodiyotigakoʻrsatgan taʼsiri ilmiy asoslar bilan yoritilgan.Shuningdek, Oʻzbekiston Respublikasi Prezidentining 27.11.2025-yil kuni “Oʻzbekistonda moliyaviy texnologiyalarsohasini yanada rivojlantirish chora-tadbirlari toʻgʻrisida”gi PQ-359-son li qarorining toʻlov tizimlarini 2026–2030-yillardamodernizatsiya qilishga qaratilgan strategik vazifalari, jumladan Open Banking, CBDC, barqaror tokenlar va universalQR-standartlarni joriy etishning istiqboldagi ahamiyati baholangan. Tadqiqot natijalari Oʻzbekistonda toʻlov tizimlariningraqamli transformatsiya jarayoni iqtisodiy samaradorlikni sezilarli darajada oshirganini koʻrsatadi.

Suggested Citation

  • A.A. Akbarov & X.R. Aliyev, 2026. "Oʻzbekistonda Raqamli Toʻlov Infratuzilmasini Shakillanishi Va Rivojlanish Dinamikasi: Tarixiy, Ilmiy Hamda Bozor Tahlili," GREEN ECONOMY AND DEVELOPMENT, "Ma'rifat-Print-Media" LLC, Tashkent State University of Economics, vol. 4(4), April.
    • Handle: RePEc:teu:ged000:v:4:y:2026:i:4:id:9805
    DOI: 10.5281/zenodo.19421646
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