IQTISODIY XAVFSIZLIKNI TA’MINLASHDA MILLIY TO‘LOV TIZIMLARINING ELEKTRON TIJORATDAGI AHAMIYATI
DOI:
https://doi.org/10.5281/zenodo.17691431Keywords:
milliy to‘lov tizimi, elektron tijorat, iqtisodiy xavfsizlik, moliyaviy barqarorlik, raqamli iqtisodiyot, elektron to‘lovlar.Abstract
Ushbu maqolada O‘zbekiston elektron tijorat bozori va milliy to‘lov tizimlarining iqtisodiy xavfsizlikni
ta’minlashdagi roli tahlil qilinadi. Tadqiqot 2020–2023-yillardagi elektron to‘lovlar hajmi, elektron hamyonlar soni va chakana
savdodagi ulush asosida amalga oshirilib, milliy to‘lov tizimlarining modernizatsiyasi, “Humo” va “Uzcard” integratsiyasi
hamda mobil to‘lov ilovalari elektron tijoratning barqaror o‘sishiga qanday hissa qo‘shganligi ko‘rsatildi. Shuningdek,
tizim samaradorligini cheklovchi kiberxavfsizlik tahdidlari, xizmatlarning diversifikatsiyasi va xalqaro integratsiya darajasi
kabi muammolar ham muhokama qilindi. Tadqiqot natijalari milliy to‘lov tizimlarini rivojlantirish va elektron tijorat hajmini
kengaytirish bo‘yicha amaliy tavsiyalarni shakllantirishga imkon beradi.
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