BANK XIZMATLARINING RAQAMLASHTIRILISHI DARAJASI VA FINTECH PLATFORMALARINING ROLI
##semicolon##
https://doi.org/10.5281/zenodo.17518839##semicolon##
raqamlashtirish, bank xizmatlari, FinTech platformalari, mobil to‘lovlar, onlayn kreditlash, neobanklar, blokcheyn integratsatsiyasi##article.abstract##
Ushbu maqola O‘zbekistonda bank xizmatlarining raqamlashtirilishi darajasini va FinTech platformalarining
(mobil to‘lovlar, onlayn kreditlash, neobanklar, blokcheyn integratsatsiyasi) rolini tahlil qiladi. Tadqiqot 2023–2025-yillarga
oid rasmiy statistik ma’lumotlar (Central Bank of the Republic of Uzbekistan, stat.uz, bankir.uz) hamda xalqaro tajribalar
(UPI Hindiston, Pix Braziliya) asosida olib borilgan. Adabiyotlar sharhida mahalliy va xalqaro olimlar yondashuvlari
ko‘rib chiqilgan. Metodologiyada deskriptiv-statistik, komparativ va normativ-huquqiy usullar qo‘llanilgan. Tahlil natijalari
O‘zbekistonda tezkor to‘lovlar tizimining (IPS) o‘sishi, FinTech ekotizimining rivojlanishida mobil to‘lovlar va onlayn
kreditlashning alohida ahamiyati hamda blokcheyn texnologiyalarini integratsiya qilish bo‘yicha istiqbollarni ko‘rsatgan.
Xalqaro tajriba bilan taqqoslaganda, O‘zbekistonda raqamli bank xizmatlari bo‘yicha potentsial yuqori bo‘lishiga qaramay,
litsenziyalash va regulyatsiya mexanizmlarini yanada mustahkamlash zarurati aniqlangan. Maqola banklar, FinTech
subyektlari va regulyatorlar uchun strategik tavsiyalar beradi.
##submission.citations##
1. Central Bank of the Republic of Uzbekistan (CBU). (2025). Indicators of the Payment System. Rasmiy statistik portal:
2. State Committee of the Republic of Uzbekistan on Statistics (Stat.uz). (2024). Digital Economy Indicators. https://stat.
uz
3. KPMG Uzbekistan. (2024). FinTech Uzbekistan: Payments, POS Financing & BNPL Market Review. https://assets.
kpmg.com
4. USA Visa Inc. (2024). Unlocking the Benefits of Digital Payments: Insights from Uzbekistan. https://usa.visa.com
5. Datareportal. (2024). Digital 2024: Uzbekistan – Global Digital Overview. https://datareportal.com/reports/digital-2024-
uzbekistan
6. Agarwal, S., Chua, Y., & Zhang, W. (2025). The Real Impact of FinTech: Evidence from Mobile Payment Adoption.
Management Science, INFORMS. https://pubsonline.informs.org
7. Ha, D., Trinh, H., & Lee, J. (2025). Financial Inclusion and FinTech: A State-of-the-Art Systematic Review. Journal of
Financial Innovation, SpringerOpen. https://jfin-swufe.springeropen.com
8. Wei, N. (2025). Analysis of Mobile FinTech Adoption Based on Perceived Value and Risk Theories. Humanities and
Social Sciences Communications, Nature Portfolio. https://www.nature.com/articles/s41599-025-05142-x
9. Karzen, L. (2019). Technological Factors of Mobile Payment: A Systematic Literature Review. Procedia Computer
Science, Elsevier. https://www.sciencedirect.com
10. Ziyadullayev, Z. (2024). Prospects for the Development of Digital Banks in Uzbekistan. World of Science: Journal of
Modern Research, No. 2. https://wos.academiascience.org
11. BIS CPMI. (2025). And So We Pay: More Digital and Faster, with Cash Still in Play. Bank for International Settlements
Report. https://www.bis.org
12. IMF. (2024). Central Bank Digital Currencies and Cross-border Payments: Opportunities and Risks. IMF Working
Paper, Washington, D.C. https://www.imf.org
##submission.downloads##
##submissions.published##
##submission.howToCite##
##issue.issue##
##section.section##
##submission.license##
##submission.copyrightStatement##
##submission.license.cc.by4.footer##