Innovation science and technologiy Volume 2 Issue 8 (2026) · pp. 100-106
MODERN FINTECH SOLUTIONS AS A TOOL FOR EXPANDING FINANCIAL INCLUSION IN THE MICROFINANCE SECTOR OF THE REPUBLIC OF UZBEKISTAN
Alimova, Aziza
Abstract
The development of fintech technologies creates broad opportunities to expand access to modern microfinanceservices for individuals and small businesses. In Uzbekistan, the digitalization of the banking sector contributes tostrengthening financial inclusion, improving the quality of microfinance products, and optimizing transaction costs. Thearticle examines the role of digital platforms, online scoring, mobile banking, and alternative data sources in enhancingthe accessibility and efficiency of microfinance services. The study presents an analysis of current trends and prospectsfor the development of the fintech ecosystem and identifies key areas for further improvement of digital instruments in themicrofinance sector of the Republic of Uzbekistan.
fintech, microfinance, digital transformation, financial inclusion, online scoring, mobile banking, digital platforms.
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