Innovation science and technologiy Том 2 № 3 (2026)
MANAGERIAL MECHANISMS OF CORPORATE HYBRID BUSINESS MODELS: FINTECH INTEGRATION IN E-PAYMENT SYSTEMS OF UZBEKISTAN
Abdullaeva, Mokhirakhon
Аннотация
The rapid expansion of electronic payment systems has significantly reshaped financial intermediationin emerging economies. In Uzbekistan, e-payment platforms are increasingly integrating fintech services such asdigital lending, installment mechanisms, and subscription-based financial tools into their operational structures. Thistransformation has led to the emergence of corporate hybrid business models that combine transaction processing withfinancial intermediation functions.While previous research has primarily focused on consumer adoption and financial inclusion outcomes, relatively limitedattention has been given to the managerial mechanisms that govern hybrid transformation at the corporate level. Thisstudy examines how resource orchestration, corporate governance structures, operational alignment, and managerialcognition influence the efficiency and sustainability of fintech-integrated hybrid models.Using a mixed-methods sequential explanatory design, the research combines quantitative survey data collectedfrom managers of e-payment systems with qualitative interviews. The findings contribute to management theory bydemonstrating that the efficiency of hybrid business models is determined not only by technological adoption but also bycorporate-level managerial mechanisms. Furthermore, the study offers practical implications for strategic leadership andcorporate governance in transitional digital markets.
corporate management, hybrid business models, managerial mechanisms, fintech integration, e-payment systems, resource orchestration, Uzbekistan.
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