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Maqolada moliyaviy texnologiyalarning raqamli moliyaviy inklyuzivlikni rivojlantirishdagi roli ko‘rib chiqiladi, bunda xalqaro modellar va amaliyotlarning qiyosiy tahliliga e’tibor qaratiladi. Hindiston, Keniya, Xitoy va Qozog‘iston misollari asosida moliyaviy xizmatlarni raqamlashtirishning tipik strategiyalari aniqlandi. O‘zbekistonda raqamli inklyuzivlikning hozirgi holati va xorijiy tajribani qo‘llash imkoniyatlariga alohida e’tibor qaratilmoqda. Muallif muvaffaqiyatli yechimlarni milliy kontekstga moslashtirish bo‘yicha amaliy tavsiyalarni shakllantiradi.

  • O'qishlar soni 18
  • Nashr sanasi 07-07-2025
  • Asosiy tilO'zbek
  • Sahifalar993-1005
Ўзбек

Maqolada moliyaviy texnologiyalarning raqamli moliyaviy inklyuzivlikni rivojlantirishdagi roli ko‘rib chiqiladi, bunda xalqaro modellar va amaliyotlarning qiyosiy tahliliga e’tibor qaratiladi. Hindiston, Keniya, Xitoy va Qozog‘iston misollari asosida moliyaviy xizmatlarni raqamlashtirishning tipik strategiyalari aniqlandi. O‘zbekistonda raqamli inklyuzivlikning hozirgi holati va xorijiy tajribani qo‘llash imkoniyatlariga alohida e’tibor qaratilmoqda. Muallif muvaffaqiyatli yechimlarni milliy kontekstga moslashtirish bo‘yicha amaliy tavsiyalarni shakllantiradi.

№ Muallifning F.I.Sh. Lavozimi Tashkilot nomi
1 Tadjiyeva S.U. professor, i.f.n. Buxoro davlat universiteti
2 Ikromov K.T. mustaqil izlanuvchi Buxoro davlat universiteti
№ Havola nomi
1 1. The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19 / A. Demirgüç-Kunt, L. Klapper, D. Singer, S. Ansar. – Washington, DC: World Bank, 2022. – 188 с. – Режим доступа: https://globalfindex.worldbank.org
2 2. Financial Access Survey – 2024 Highlights: Marking 15 Years of Supporting Financial Inclusion / Berhe Beyene, Katia Huayta-Zapata, Andrea Quevedo, Miguel Segoviano. –Washington, DC: International Monetary Fund, 2024. – Режим доступа: https://data.imf.org/FAS
3 3. Patwardhan A., Schmitz K., Singleton K. Financial Inclusion in the Digital Age. – Washington, DC: World Bank Group; Stanford University, 2018. – 80 с.
4 4. Центральный банк Республики Узбекистан. Статистический бюллетень за декабрь 2024 г. – Ташкент: ЦБ РУз, 2024. – 107 с. – Режим доступа: https://cbu.uz
5 5. Святов С. А., Бендюк Д. Ю. Финансовая инклюзия: международный опыт и казахстанский кейс // Central Asian Economic Review. – 2023. – №2 (149). – С. 140–152. – DOI: 10.52821/2789-4401-2023-2-140-152
6 6. Digital Financial Services: Basic Terminology and Regulatory Approaches. – Kuala Lumpur: Alliance for Financial Inclusion (AFI), 2021. – 36 с.
7 7. Opportunities for All: A Framework for Policy Action on Inclusive Growth. – Paris: OECD Publishing, 2018. – 240 с. – Режим доступа: https://doi.org/10.1787/9789264301665-en
8 8. Klapper L., Singer D., Van Oudheusden P. Financial Inclusion and Inclusive Growth: A Review of Recent Empirical Evidence. – Washington, DC: World Bank, 2015. – (Policy Research Working Paper; No. 8040). – 43 с.
9 9. National Payments Corporation of India (NPCI) (2023). Unified Payments Interface (UPI) Overview. NPCI Official Reports.
10 10. Central Bank of Brazil (2023). PIX: Instant Payment System Overview. Banco Central do Brasil.URL: https://www.bcb.gov.br/en/financialstability/pix
11 11. KPMG International. Pulse of Fintech H2 2022: Biannual global analysis of investment trends in fintech. – Amsterdam: KPMG, 2023. – 48 с.
12 12. Cuenta para Todos: inclusión financiera en México / Comisión Nacional Bancaria y de Valores (CNBV). – México: CNBV, 2021. – 48 с.
13 13. BSP (Bangko Sentral ng Pilipinas). Financial Inclusion Initiatives for Overseas Filipino Workers (OFWs). – Manila: BSP, 2020. – 36 с.
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