RAQAMLI TO‘LOV TIZIMIDA BANK VA ALOQA OPERATORLARI HAMKORLIGINING KOMBINATSION MODELLARI: NAZARIYA VA O‘ZBEKISTON AMALIYOTI
DOI:
https://doi.org/10.60078/3060-4842-2026-vol3-iss3-pp556-562Annotasiya
Maqolada raqamli to‘lov tizimida bank va mobil aloqa operatorlari (MNO) o‘rtasidagi hamkorlikning asosiy kombinatsion modellari nazariy va amaliy jihatdan tahlil qilinadi. MNO-yetakchi, bank-yetakchi, qo‘shma korxona va platforma ekotizimi modellari mukammal o‘rganiladi. O‘zbekiston misolida Beeline, Ucell, Uzmobile, Mobiuz kabi aloqa operatorlari va Uzum Bank, Payme, Click kabi fintech platformalarining hamkorlik tajribasi yoritiladi. Tadqiqot mamlakatda bank-MNO hamkorligi samaradorligini oshirish va raqamli moliyaviy inklyuzivlikni kengaytirish bo‘yicha tavsiyalar bilan yakunlanadi
Kalit so‘zlar:
MNO-bank hamkorligi raqamli to‘lov tizimlari mobil aloqa operatori kombinatsion model moliyaviy inklyuzivlik fintech raqamli iqtisodiyot O‘zbekistonBibliografik manbalar
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