Raqamli iqtisodiyot sharoitida aholining moliyaviy madaniyatini rivojlantirish muammolari va istiqbollari
DOI:
https://doi.org/10.5281/zenodo.17194955Keywords:
raqamli iqtisodiyot, moliyaviy madaniyat, moliyaviy savodxonlik, raqamli texnologiyalar, moliyaviy xavfsizlik, investitsiya, innovatsion yondashuv, barqaror rivojlanishAbstract
Mazkur maqolada raqamli iqtisodiyot sharoitida aholining moliyaviy madaniyatini rivojlantirish masalalari
va istiqbollari yoritiladi. Raqamli texnologiyalarning jadal sur’atlarda rivojlanishi moliyaviy xizmatlardan foydalanishning
yangi shakllarini shakllantirmoqda, bu esa aholining moliyaviy savodxonlik darajasiga bevosita ta’sir ko‘rsatmoqda.
Moliyaviy madaniyatni oshirish iqtisodiy barqarorlikni ta’minlash, investitsiya muhitini yaxshilash va aholining turmush
sifatini ko‘tarishda muhim omil hisoblanadi. Maqolada mavjud muammolar, jumladan aholining moliyaviy bilimlari yetarli
emasligi, raqamli moliyaviy xizmatlardan foydalanishda qiyinchiliklar, xavfsizlik va firibgarlik muammolari tahlil qilinadi.
Shuningdek, moliyaviy madaniyatni rivojlantirishda ta’lim tizimi, raqamli platformalar va davlat dasturlarining o‘rni ko‘rib
chiqiladi. Ilmiy tahlillar asosida aholining moliyaviy ongini oshirishning samarali mexanizmlari, innovatsion yondashuvlar
va istiqboldagi rivojlanish yo‘nalishlari taklif etiladi
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