Илғор иқтисодиёт ва педагогик технологиялар 2-том 4-нөмір (2025) · 409-416-беттер
THE IMPORTANCE OF FINTECH SERVICES IN INTERNATIONAL MARKETS AND THEIR DEVELOPMENT TRENDS
Karimova, Khulkar, Каримова, Хулкар, Karimova, Xulkar
Аңдатпа
This article analyzes the role and development trends of modern financial technologies — fintech services — in international markets. The author highlights the emergence of fintech technologies in the context of the digital economy, the reasons for their global expansion, and their impact on the financial services sector. Based on a regional analysis, the article examines the specific features of fintech development in various regions (North America, Europe, the Asia-Pacific region, and LAMEA). Using the examples of major fintech companies such as PayPal, Stripe, Revolut, and Ant Group, the article emphasizes the expansion of digital payments, open banking, blockchain technologies, and services based on artificial intelligence. Drawing on statistical data and international experience, the article identifies the key advantages of fintech services, including high speed, cost reduction, financial inclusion, and the provision of innovative products. The conclusion highlights the prospects for further development of the fintech sector and the need for cooperation between technological innovation and state regulators. The article is of both theoretical and practical interest for banking professionals, participants in the financial services market, and those involved in the digitalization of the economy.
fintechonline bankingdigitalizationmobile bankingblockchainфинтехонлайн-банкингцифровизациямобильный банкблокчейн
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