O‘ZBEKISTON RESPUBLIKASIDA RAQAMLI TO‘LOV TIZIMLARINI RIVOJLANTIRISHNING PUL MUOMALASI BARQARORLIGIGA TA’SIRINI TAKOMILLASHTIRISH MASALALARI

O‘ZBEKISTON RESPUBLIKASIDA RAQAMLI TO‘LOV TIZIMLARINI RIVOJLANTIRISHNING PUL MUOMALASI BARQARORLIGIGA TA’SIRINI TAKOMILLASHTIRISH MASALALARI

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  • O‘ktamjon Xazratkulov

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https://doi.org/10.5281/zenodo.18628617

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raqamli to‘lov tizimlari, pul muomalasi barqarorligi, to‘lovlar uzluksizligi, nazorat va kuzatuv, kiberxavfsizlik

##article.abstract##

Ushbu maqolada O‘zbekiston Respublikasida raqamli to‘lov tizimlarini rivojlantirish jarayonining pul
muomalasi barqarorligiga ta’siri, shuningdek, ushbu ta’sirni yanada ijobiy tomonga burish uchun zarur bo‘lgan
institutsional, texnologik va nazoratga oid takomillashtirish masalalari tahlil qilinadi. Pul muomalasi barqarorligi faqat
naqd pul emissiyasi yoki naqd pul yetkazib berish bilan cheklanmay, to‘lovlar uzluksizligi, tranzaksiyalar ishonchliligi, pul
oqimlari prognozlanishi, monetar siyosat signallarining iqtisodiyotga o‘tishi va to‘lovlar bo‘yicha ma’lumotlar sifati kabi
omillar bilan ham belgilanadi.

##submission.authorBiography##

O‘ktamjon Xazratkulov

Guliston davlat universiteti tayanch doktoranti

##submission.citations##

1. The Central Bank of the Republic of Uzbekistan. Central Bank of Uzbekistan and Visa Discuss Fintech and Digital

Payments, news, 22.01.2026.

2. The Central Bank of the Republic of Uzbekistan. Transition to the ISO 20022 International Standard, presentation,

05.01.2026 (update 08.01.2026).

3. Huang, Z., Lahreche, A., Saito, M., & Wiriadinata, U. E-Money and Monetary Policy Transmission. IMF Working Paper

No. 2024/069, 2024.

4. ISO20022. ISO 20022 (overview page).

5. SWIFT. ISO 20022: Standards (overview page).

6. CPMI. Fast Payments: Enhancing the Speed and Availability of Retail Payments. BIS, 2016.

7. World Bank. Fast Payment Systems: Considerations and Lessons for the Development and Implementation of Fast

Payment Systems (Toolkit Main Report), 2021.

8. CPMI-IOSCO. Principles for Financial Market Infrastructures. BIS/IOSCO, 2012.

9. CPMI-IOSCO. Guidance on Cyber Resilience for Financial Market Infrastructures. BIS, 2016.

10. BIS CGIDE. Enabling Open Finance through APIs. BIS, 2020.

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2026-02-01

##submission.howToCite##

Xazratkulov, O. (2026). O‘ZBEKISTON RESPUBLIKASIDA RAQAMLI TO‘LOV TIZIMLARINI RIVOJLANTIRISHNING PUL MUOMALASI BARQARORLIGIGA TA’SIRINI TAKOMILLASHTIRISH MASALALARI. YASHIL IQTISODIYOT VA TARAQQIYOT, 4(2). https://doi.org/10.5281/zenodo.18628617

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##issue.vol## 4 ##issue.no## 2 (2026): «Yashil iqtisodiyot va taraqqiyot» jurnali

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Articles

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