Илғор иқтисодиёт ва педагогик технологиялар Ҷилди 3 № 3 (2026) · Саҳифаҳои 556-562

COMBINATIONAL MODELS OF BANK AND MOBILE NETWORK OPERATOR PARTNERSHIPS IN THE DIGITAL PAYMENT SYSTEM: THEORY AND UZBEKISTAN PRACTICE

Nuraliev, Nurbek, Нуралиев, Нурбек, Nuraliyev, Nurbek

Дар манбаъ хондан PDF

Аннотатсия

This article provides a theoretical and practical analysis of the main combinational models of partnerships between banks and mobile network operators (MNOs) in the digital payment system. The MNO-led, bank-led, joint venture, and platform ecosystem models are examined in detail. Using Uzbekistan as a case study, the article highlights the collaboration experience of mobile operators Beeline, Ucell, Uzmobile, and Mobiuz with fintech platforms such as Uzum Bank, Payme, and Click. The study concludes with recommendations for improving the effectiveness of bank-MNO partnerships and expanding digital financial inclusion in the country

MNO-bank partnershipdigital payment systemsmobile network operatorcombinational modelfinancial inclusionfintechdigital economyUzbekistanпартнёрство MNO-банксистемы цифровых платежей

Манбаи метамаълумот: бойгонии OAI-PMH-и маҷалла · Sindex матни пурраро нигоҳ намедорад, ба манбаъ пайванд медиҳад.

Иқтибос гирифтан

APA 7 
Nuraliev, Nurbek, Нуралиев, Нурбек & Nuraliyev, Nurbek (2026). COMBINATIONAL MODELS OF BANK AND MOBILE NETWORK OPERATOR PARTNERSHIPS IN THE DIGITAL PAYMENT SYSTEM: THEORY AND UZBEKISTAN PRACTICE. Илғор иқтисодиёт ва педагогик технологиялар, 3(3), 556-562.
GOST R 7.0.5 
Nuraliev, Nurbek, Нуралиев, Нурбек, Nuraliyev, Nurbek COMBINATIONAL MODELS OF BANK AND MOBILE NETWORK OPERATOR PARTNERSHIPS IN THE DIGITAL PAYMENT SYSTEM: THEORY AND UZBEKISTAN PRACTICE // Илғор иқтисодиёт ва педагогик технологиялар. 2026. Т. 3. № 3. С. 556-562.
BibTeX 
@article{nurbek2026,
  author  = {Nuraliev, Nurbek and Нуралиев, Нурбек and Nuraliyev, Nurbek},
  title   = {COMBINATIONAL MODELS OF BANK AND MOBILE NETWORK OPERATOR PARTNERSHIPS IN THE DIGITAL PAYMENT SYSTEM: THEORY AND UZBEKISTAN PRACTICE},
  journal = {Илғор иқтисодиёт ва педагогик технологиялар},
  year    = {2026},
  volume  = {3},
  number  = {3},
  pages   = {556-562}
}
RIS 
TY  - JOUR
AU  - Nuraliev, Nurbek
AU  - Нуралиев, Нурбек
AU  - Nuraliyev, Nurbek
TI  - COMBINATIONAL MODELS OF BANK AND MOBILE NETWORK OPERATOR PARTNERSHIPS IN THE DIGITAL PAYMENT SYSTEM: THEORY AND UZBEKISTAN PRACTICE
JO  - Илғор иқтисодиёт ва педагогик технологиялар
PY  - 2026
VL  - 3
IS  - 3
SP  - 556
EP  - 562
ER  -