Innovation science and technologiy 2-том 3-сан (2026)
IMPROVING POPULATION INVESTMENT ACTIVITY THROUGH THE DEVELOPMENT OF BANK BROKERAGE SERVICES AND FINANCIAL LITERACY IN FORMING A SECURITIES PORTFOLIO IN THE KHOREZM REGION
Bakhtiyorov, Khudaybergan
Аннотация
This article examines the relationship between the level of financial literacy of the population, the development ofbanking brokerage services, and the investment activity of residents of the Khorezm region of the Republic of Uzbekistanduring 2019–2024. Based on the author’s database (11 banks, panel data for 40 quarters, and a survey of 1,240households), methods of multiple regression, correlation analysis, and radar mapping of districts’ investment readinesswere applied. The results show that the financial literacy index is a key predictor of investment portfolio profitability (β= 0.412, p < 0.001), while the transition of operations to remote banking service (RBS) platforms significantly expandsinvestment activity (β = 0.284, p < 0.001). The number of brokerage accounts of individuals increased from 1,240 unitsin 2019 to 14,870 units in 2024; however, the population coverage remains only 1.54%, indicating significant untappedpotential. A three-scenario model for the development of brokerage services until 2030 and a set of measures aimed atimproving the financial literacy of the regional population are proposed
investment activity; financial literacy; brokerage services; securities portfolio; remote banking services; Khorezm region; financial inclusion.
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