O‘ZBEKISTONDA RAQAMLI TO‘LOVLARNING RIVOJLANISH DINAMIKASI VA MOLIYAVIY INKLYUZIVLIKKA TA’SIRI
DOI:
https://doi.org/10.60078/2992-877X-2026-vol4-iss6-pp66-71Annotasiya
Maqolada O‘zbekistonda raqamli to‘lovlar tizimining rivojlanish dinamikasi, uning iqtisodiyotga va moliyaviy inklyuzivlikka ta’siri o‘rganiladi. Mahalliy to‘lov tizimlari (Uzcard, Humo, Payme, Click va boshqalar) faoliyatini tahlil qilib, raqamli to‘lovlar hajmining yillik o‘sish ko‘rsatkichlari, naqd pulsiz hisob-kitoblarning ulushi va davlat tomonidan amalga oshirilayotgan ‘Raqamli O‘zbekiston-2030’ strategiyasi doirasidagi islohotlar yoritiladi. Tadqiqot mamlakatda raqamli to‘lov infratuzilmasini yanada takomillashtirish va moliyaviy xizmatlarni aholining barcha qatlamlariga yetkazish bo‘yicha ilmiy asoslangan taklif va tavsiyalar bilan yakunlanadi.
Kalit so‘zlar:
raqamli to‘lovlar moliyaviy inklyuzivlik Uzcard Humo Humofintech naqd pulsiz iqtisodiyot raqamli iqtisodiyot to‘lov tizimlariBibliografik manbalar
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