Oʻzbekiston bank-moliya tizimida raqamli moliyaviy texnologiyalarni joriy etish tendensiyalari

Saidabrorxon Kalandarxonov

doi:10.5281/zenodo.17194352

Oʻzbekiston bank-moliya tizimida raqamli moliyaviy texnologiyalarni joriy etish tendensiyalari

Authors

Saidabrorxon Kalandarxonov

DOI:

https://doi.org/10.5281/zenodo.17194352

Keywords:

raqamli toʻlovlar; elektron hamyon; fintex; interoperabellik; kiberxavfsizlik; moliyaviy inklyuziya

Abstract

Maqolada 2020–2024-yillarda O‘zbekiston bank-moliya tizimida raqamli moliyaviy texnologiyalarni joriy
etishning drayverlari va natijalari tahlil qilingan. Empirik maʼlumotlar IPS (24/7 “tezkor toʻlovlar”) hajmi va tranzaksiyalar
sonining keskin oʻsishini, Uzcard–HUMO infratuzilmalarining interoperabelligi kuchayganini, QR/mobil hamyonlar
hamda P2P oʻtkazmalarining ommalashganini koʻrsatadi; ISO 20022-ga oʻtish, ochiq APIlar va real-time antifrod
mexanizmlari hisob-kitob tezligi, shaffoflik va inklyuziyani oshirgan. Davlat siyosati (qonunchilik va standartlashtirish) va
telekom qamrovining kengayishi raqamli kanallarga migratsiyani tezlashtirgan. Shu bilan birga, SI-asosidagi skoringda
tushuntirishlilik (XAI), maʼlumot maxfiyligi va kiberxavfsizlikka oid talablar ustuvor vazifa sifatida belgilanadi. Mualliflar
sifatiy chuqurlashuvning keyingi bosqichi sifatida ISO 20022-ni toʻliq joriy etish, ochiq API ekotizimini kengaytirish va
riskka asoslangan autentifikatsiyani tavsiya etadilar

Author Biography

Saidabrorxon Kalandarxonov

Toshkent davlat iqtisodiyot universiteti mustaqil izlanuvchisi
100066, Toshkent, Islam Karimov ko‘chasi, 49

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Oʻzbekiston bank-moliya tizimida raqamli moliyaviy texnologiyalarni joriy etish tendensiyalari

Oʻzbekiston bank-moliya tizimida raqamli moliyaviy texnologiyalarni joriy etish tendensiyalari

Authors

DOI:

Keywords:

Abstract

Author Biography

Saidabrorxon Kalandarxonov

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