Yosh olimlar 4-jild 53-son (2026) · 74–80-betlar

БЕЗНАЛИЧНЫЕ РАСЧЁТЫ И ОНЛАЙН-ПЛАТЕЖИ КАК НАПРАВЛЕНИЕ ЦИФРОВИЗАЦИИ БАНКОВСКИХ УСЛУГ В УЗБЕКИСТАНЕ

Розоков, Мухаммадазиз, Каримова, Азиза

DOI: 10.5281/zenodo.20489598 · Manbada o'qish → · PDF (manba serverida)

Annotatsiya

The article examines cashless payments and online payments as one of the key directions in the digitalization of banking services in Uzbekistan. Particular attention is paid to the development of payment infrastructure, bank cards, mobile applications, P2P transfers, QR payments, and online payment for goods and services. The article notes that the expansion of cashless transactions helps reduce dependence on cash, increase the transparency of money flows, accelerate settlements, and support the development of e-commerce. At the same time, the study identifies problems related to the uneven availability of payment infrastructure across regions, users’ digital literacy, cybersecurity, personal data protection, and customer trust in online payments. The article concludes that the further development of cashless payments is an important condition for modernizing the banking sector and forming Uzbekistan’s digital economy.

naqd pulsiz hisob-kitoblaronlayn to‘lovlarbank xizmatlarini raqamlashtirishbank kartalariP2P pul o‘tkazmalariQR-to‘lovlarto‘lov infratuzilmasimobil bankingelektron tijoratO‘zbekiston Respublikasi.

Metadata manbasi: jurnal OAI-PMH arxivi · Sindex to'liq matnni saqlamaydi, manbaga havola beradi.