Vol. 1 No. 9 (2025), Articles
Vol. 1 No. 9 (2025)

RAQAMLI MOLIYAVIY XIZMATLARNING O‘ZBEKISTONDAGI BANK TIZIMIGA TA’SIRI: IMKONIYATLAR VA XAVF-XATARLAR

Articles
Published 2025-05-18
Beknazarova Dilafruz
Qarshi davlat universiteti iqtisodiyot kafedrasi o’qituvchisi
Botirova Kamola Bahodir qizi
Qarshi Davlat Universiteti, Iqtisodiyot fakulteti talabasi
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Keywords

digital financial services, fintech technologies, mobile banking, economic efficiency, financial inclusion, information security, digital transformation, banking system, financial literacy, digital infrastructure.

Abstract

This article provides a comprehensive analysis of the development of digital financial services in Uzbekistan’s banking system and their impact on economic efficiency. It examines the positive aspects such as the expansion of financial services through technologies like mobile banking, fintech platforms, and electronic payment systems, improvement in customer experience, and the growth of economic inclusion. At the same time, key risks such as cybersecurity threats, low financial literacy, and regulatory gaps are scientifically analyzed.

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References

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