RAQAMLI TO‘LOV TIZIMLARIDA ALOQA OPERATORLARI ROLINI OSHIRISH ISTIQBOLLARI
DOI:
https://doi.org/10.5281/zenodo.20719974Keywords:
raqamli to‘lov tizimlari, aloqa operatorlari, mobil banking, fintech, super-ilova, to‘lov ekotizimi, raqamli transformatsiya, O‘zbekistonAbstract
Mazkur maqolada raqamli to‘lov tizimlarining jadal rivojlanishi sharoitida aloqa operatorlarining
moliyaviy xizmatlar bozoridagi o‘rni va kelajakdagi istiqbollari tadqiq etilgan. Tadqiqotning maqsadi aloqa
operatorlarining to‘lov ekotizimiga integratsiyasini tahlil qilish hamda ularning raqobatbardoshligini oshirish
yo‘llarini aniqlashdan iborat. Tahlil davomida O‘zbekiston va xorijiy davlatlar tajribasi qiyosiy usulda o‘rganilgan
hamda operatorlarning fintech kompaniyalari bilan hamkorlik orqali qo‘shimcha daromad manbalarini
shakllantirish imkoniyatlari yoritilgan. Maqolaning ilmiy yangiligi shundaki, unda aloqa operatorlari uchun mobil
banking va super-ilova strategiyasini birlashtirgan yangi integratsion model taklif etilgan. Xulosa qilib aytganda,
aloqa operatorlari raqamli moliya infratuzilmasining muhim bo‘g‘iniga aylanishi mumkin
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