RAQAMLI TO‘LOV TIZIMLARINING BANKLAR MOLIYAVIY BARQARORLIGINI TA’MINLASHDAGI ROLI

RAQAMLI TO‘LOV TIZIMLARINING BANKLAR MOLIYAVIY BARQARORLIGINI TA’MINLASHDAGI ROLI

Authors

  • Ulug‘bek Muxtorov

DOI:

https://doi.org/10.5281/zenodo.18198128

Keywords:

raqamli to‘lov tizimlari, banklarning moliyaviy barqarorligi, naqd pulsiz to‘lovlar, moliyaviy inkluziya, bank risklari, likvidlik, kredit risklari, fintech, raqamli transformatsiya, bank tizimi

Abstract

Mazkur maqolada raqamli to‘lov tizimlarining banklar moliyaviy barqarorligini ta’minlashdagi o‘rni va ahamiyati
ilmiy jihatdan tahlil qilingan. Tadqiqot jarayonida raqamli to‘lov infratuzilmasining banklarning operatsion samaradorligi,
daromadlar diversifikatsiyasi, likvidlikni boshqarish hamda kredit risklarini kamaytirishdagi roli yoritib berilgan. Xorijiy
mamlakatlar tajribasi asosida raqamli to‘lovlar rivoji bilan banklar moliyaviy barqarorligi o‘rtasidagi o‘zaro bog‘liqlik statistik
ma’lumotlar yordamida asoslab berilgan

Author Biography

Ulug‘bek Muxtorov

“Tashkent international university”
PR va marketing bo‘limi boshlig‘i

References

1. O‘zbekiston Respublikasi Prezidentining 2020-yil 12-maydagi PF-5992-son “2020-2025-yillarga mo‘ljallangan bank

tizimini isloh qilish strategiyasi”.

2. https://www.bis.org/publ/bppdf/bispap152.htm

3. The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy. World Bank, 2025

4. World Bank. Digital Financial Services and Financial Stability. Washington, 2023.

5. International Monetary Fund. Financial Stability Report. Washington, 2023.

6. https://www.statista.com/outlook/dmo/fintech/digitalpayments/worldwide

7. Aguilar A., Frost J., Guerra R., Kamin S., Tombini A. Digital Payments, Informality and Economic Growth. Bank for

International Settlements, 2024. https://www.bis.org/publ/work1196.htm

8. CICC (China International Capital Corporation) iqtisodchilarining 2025-yilgi hisobotlari va eslatmalari (masalan, Peng

Wensheng yoki Miao Yanliangning chiqishlari).

9. https://www.tandfonline.com/doi/full/10.1080/23322039.2025.2459188

10. https://www.worldbank.org/en/topic/financialinclusion/overview

11. https://www.nber.org/papers/w16721

12. https://datatopics.worldbank.org/financialinclusion/country/kenya

13. https://www.bis.org/publ/arpdf/ar2025e.htm

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Published

2025-12-01

How to Cite

Muxtorov , U. (2025). RAQAMLI TO‘LOV TIZIMLARINING BANKLAR MOLIYAVIY BARQARORLIGINI TA’MINLASHDAGI ROLI. GREEN ECONOMY AND DEVELOPMENT, 3(12). https://doi.org/10.5281/zenodo.18198128

Issue

Vol. 3 No. 12 (2025): «Yashil iqtisodiyot va taraqqiyot» jurnali 12-son

Section

Articles

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