O‘ZBEKISTONDA RAQAMLI BANK XIZMATLARINI RIVOJLANTIRISH ORQALI MOLIYAVIY INKLYUZIYANI OSHIRISH: MUAMMOLAR VA ISTIQBOLLAR
Ключевые слова:
raqamli bank xizmatlari, moliyaviy inklyuziya, raqamli to‘lovlar, mobil banking, fintech, raqamli moliyaviy savodxonlik, bank kartalari, to‘lov infratuzilmasi, kiberxavfsizlik.Аннотация
Maqolada O‘zbekistonda raqamli bank xizmatlarini rivojlantirishning moliyaviy inklyuziyaga ta’siri ilmiy-statistik jihatdan tahlil qilingan. Tadqiqotda O‘zbekiston Respublikasi Markaziy banki va Jahon bankining Global Findex ma’lumotlari asosida raqamli bank xizmatlari, mobil banking, raqamli to‘lovlar va aholining moliyaviy xizmatlardan foydalanish ko‘rsatkichlari o‘rganilgan. Natijalar raqamli bank xizmatlari jadal rivojlanayotgan bo‘lsa-da, ulardan foydalanish imkoniyati va aholining real foydalanish darajasi o‘rtasida tafovut mavjudligini ko‘rsatdi. Mazkur muammolarni bartaraf etish bo‘yicha amaliy takliflar ishlab chiqilgan.
Библиографические ссылки
1. World Bank. The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy. Washington, D.C.: World Bank, 2025. –P. 1–15.
2. O‘zbekiston Respublikasi Markaziy banki. Annual Report 2025. Toshkent: O‘zbekiston Respublikasi Markaziy banki, 2026. –P. 98–105.
3. World Bank. Uzbekistan: Financial Sector Assessment. Washington, D.C.: World Bank, 2025. –P. 35–45.
4. O‘zbekiston Respublikasi Markaziy banki. National Financial Inclusion Strategy of the Republic of Uzbekistan for 2025–2030. Toshkent: O‘zbekiston Respublikasi Markaziy banki, 2025.
5. Pesqué-Cela, V., Tian, L., Liao, Y., Szafarz, A., & Thi, M. T. N. Defining and measuring financial inclusion: A systematic review and confirmatory factor analysis. Journal of International Development, 2021, Vol. 33, Issue 2. –P. 316–341.
6. Duvendack, M., & Mader, P. Impact of financial inclusion in low- and middle-income countries: A systematic review of reviews. Journal of Economic Surveys, 2020, Vol. 34. –P. 594–629.
7. Phuong Le, Dao Thi Thieu Ha, Khuong Nguyen. Financial inclusion and fintech: A state-of-the-art systematic literature review. Financial Innovation, 2025, Vol. 11, Article 69.
8. Mittal, P., & Singh, R. I. Changing Landscape of Financial Inclusion Through FinTech: A Systematic Literature Review. Journal of Human Values, 2025. –P. 1–20.
9. Mohammed, M., & Japee, G. P. The Role of Digital Banking in Advancing Financial Inclusion: A Systematic Literature Review. Asian Journal of Economics, Business and Accounting, 2025, Vol. 25, Issue 5. –P. 335–342.
10. O‘zbekiston Respublikasi Markaziy banki. Annual Report 2025. Toshkent: O‘zbekiston Respublikasi Markaziy banki, 2026. –P. 98–105.
11. O‘zbekiston Respublikasi Markaziy banki. Annual Report 2024. Toshkent: O‘zbekiston Respublikasi Markaziy banki, 2025. –P. ...
12. O‘zbekiston Respublikasi Markaziy banki. Information on Bank Cards, Terminals, ATMs and Infokiosks in Circulation as of January 1, 2026, and Receipts through Payment Terminals during January–December 2025. Toshkent: O‘zbekiston Respublikasi Markaziy banki, 2026.
13. World Bank. The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy. Washington, D.C.: World Bank, 2025.
Загрузки
Опубликован
Выпуск
Раздел
Лицензия
Это произведение доступно по лицензии Creative Commons «Attribution» («Атрибуция») 4.0 Всемирная.