This article analyses the use of electronic money in Uzbekistan, as well as the factors influencing its development and the existing challenGES. Although the adoption of electronic payment instruments has significantly increased in recent years due to the growth of the digital economy, several constraints—including insufficient infrastructure, low digital literacy, and limited trust in the banking system—have been identified as slowing down this process. The study provides a comparative analysis of the experiences of Uzbekistan, Turkey, and Kazakhstan, and presents statistical data on chanGES in total bank deposits, the share of electronic money, and term deposits from 2017 to 2024. The findings indicate that despite the rise in the use of electronic money, its share within total bank funds has decreased. These trends are shown to be closely related to the development of digital infrastructure, security systems, digital literacy, and government regulatory policies. The author emphasizes the need to expand infrastructure, strengthen security measures, improve digital literacy, and enhance the legal framework to further promote the development of the electronic money market

This article examines the monetary reforms carried out under the Amir of Timur and Timurida, and the mechanism of their organization. The monetary reform under the Timurids was based on the activities of mints, methods of introducing monetary units, which were considered integral elements of the monetary system. In accordance with the peculiarities of the development of the factors influencing monetary circulation, the existing directions of monetary reform implementation are systematized. In the XIV-XV centuries, on the basis of foreign trade and intra-trade relations, relevant conclusions were formulated about the role of money circulation in the process of commodity turnover and the possibilities of its coordination

An investment is a sacrifice of present consumption with the expectation of the future will be better. In a general sense, it is an allocation of money in different assets with the expectation that in the future the value of these assets will be higher and generate some return. The tourism industry's investment potential is intrinsically linked to the number of visitors and tourists attracted to a destination. To capitalize on this potential, it becomes imperative to develop tourism infrastructure, services, and facilities that can cater to the growing demand. This, in turn, creates opportunities for investors, leading to the realization of investments in the sector. In terms of money movement and building the supply side for tourism in India through private sector investments. In terms of money movement and building the supply side for tourism in India through private sector investments.

This article describes the operations related to the entry and exit of petty cash, the procedure for reflecting petty cash transactions in the accounts, the report on spending money, the application of foreign experience of petty cash management in our country, internal control over the movement of funds in the cash register, and the procedure for calculating the quick liquidity ratio. Recommendations on the organization and management of a small cash register are given.

This article analyzes the theoretical and methodological aspects of the formation of financial ecosystems in general, in particular, banking ecosystems in the banking business of the Republic of Uzbekistan, as well as discusses the advantages and disadvantages of their development in the business of commercial banks and makes proposals for the development of this area.

The guidelines proposed by the United Nations High Commission on Human Rights stated that the development and use of indicators to assess the standard of living of the population should follow a human rights approach to data, focusing primarily on the self-determination of the population and the principles of participation. The total income of the population is made up of proceeds in the form of money and in-kind, which fall on the household or its individual members during an annual or less time period, of a permanent or recurring nature. This article focuses on the study of methodologies and areas of use by international organizations for assessing the income and standard of living of the population.

Fintech refers to financial technologies used in banking and financial services, including mobile payments, money transfers, loans, and asset management. Fintech startups offer fast, innovative, and convenient services that either compete with or collaborate with traditional banks. In recent years, investments in Fintech have grown rapidly due to its wide applicability. These technologies improve service quality, enhance customer experience, and transform traditional financial systems. Fintech plays a vital role in modern banking by offering digital solutions for both individuals and businesses. This article explores the significance of Fintech and the mutual benefits of bank-Fintech cooperation.

The article presents the problems and situations in which loans and their interest rates are provided by commercial banks of the Republic of Uzbekistan, as well as the income of the population. The essence of the current legal acts on loans and the current content is revealed.

This article outlines the set of legally-defined goals that constitute the "Uzbekistan - 2030" strategy. These goals include ensuring the stability of the national currency, increasing the income of the country’s population, ensuring the competitiveness of products manufactured within the country through a gradual transition to a market economy, increasing the volume of exports, localizing the production of imported goods, maintaining a moderate level of inflation, improving the living standards of our people, and placing our country among the "above-average income" states.
Unlike previously adopted strategies, this strategy has been adopted for the long term, and we can see that the current reforms are closely linked to the expected goals, as well as the growing year-on-year development of our country’s economy.

This article provides a comprehensive analysis of studies examining the impact of central bank digital currency (CBDC) on the functioning of the monetary system. Based on a systemic analysis and synthesis of research, the directions of influence of digital currency are identified, which cover key elements of the monetary system, including monetary aggregates, inflation, interest rates and bank liquidity. The study's findings may be useful for developing strategies for introducing digital currencies and assessing their potential impact on macroeconomic stability.