Илғор иқтисодиёт ва педагогик технологиялар Volume 3 Issue 3 (2026) · pp. 627-632

EVOLUTION OF ELECTRONIC MONEY: FINTECH ECOSYSTEM AND INTEGRATION OF BANKS

Rakhimova, Khavakhon, Рахимова, Хавахон, Рахимова, Хавахон

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Abstract

The article analyzes the evolution of electronic money and the development of the fintech ecosystem from the perspective of bank integration. The study covers the importance of digital payment systems and financial inclusion, security and legal regulation issues. The convenience created by the UzCard, Humo, Payme, Click platforms for the population and business is analyzed. Comparative analysis and practical examples are used as a methodological basis. As a result, practical recommendations have been developed on the introduction of blockchain and artificial intelligence technologies, innovative business models and strategic transformation directions.

electronic moneyfintech ecosystembank integrationdigital transformationfinancial inclusionfintech companies (UzCard, Humo, Payme, Click)efficiencycompetitiveness, digital economyэлектронные деньгифинтех-экосистема

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Cite

APA 7 
Rakhimova, Khavakhon, Рахимова, Хавахон & Рахимова, Хавахон (2026). EVOLUTION OF ELECTRONIC MONEY: FINTECH ECOSYSTEM AND  INTEGRATION OF BANKS. Илғор иқтисодиёт ва педагогик технологиялар, 3(3), 627-632.
GOST R 7.0.5 
Rakhimova, Khavakhon, Рахимова, Хавахон, Рахимова, Хавахон EVOLUTION OF ELECTRONIC MONEY: FINTECH ECOSYSTEM AND  INTEGRATION OF BANKS // Илғор иқтисодиёт ва педагогик технологиялар. 2026. Т. 3. № 3. С. 627-632.
BibTeX 
@article{khavakhon2026,
  author  = {Rakhimova, Khavakhon and Рахимова, Хавахон and Рахимова, Хавахон},
  title   = {EVOLUTION OF ELECTRONIC MONEY: FINTECH ECOSYSTEM AND  INTEGRATION OF BANKS},
  journal = {Илғор иқтисодиёт ва педагогик технологиялар},
  year    = {2026},
  volume  = {3},
  number  = {3},
  pages   = {627-632}
}
RIS 
TY  - JOUR
AU  - Rakhimova, Khavakhon
AU  - Рахимова, Хавахон
AU  - Рахимова, Хавахон
TI  - EVOLUTION OF ELECTRONIC MONEY: FINTECH ECOSYSTEM AND  INTEGRATION OF BANKS
JO  - Илғор иқтисодиёт ва педагогик технологиялар
PY  - 2026
VL  - 3
IS  - 3
SP  - 627
EP  - 632
ER  -