O‘ZBEKISTONDA RAQAMLI TO‘LOV TIZIMLARINING RIVOJLANISHI VA BANK SEKTORIGA TA’SIRI: 2015–2025 YILLAR EMPIRIK TAHLILI
DOI:
https://doi.org/10.5281/zenodo.20669428Keywords:
raqamli to‘lov tizimlari, bank samaradorligi, moliyaviy inklyuziya, raqamli iqtisodiyot, O‘zbekistonAbstract
Ushbu maqolada O‘zbekistonda raqamli to‘lov tizimlarining rivojlanishi va ularning bank sektori samaradorligiga
ta’siri tahlil qilinadi. Tadqiqot Texnologiyalarni qabul qilish modeli (TAM), Innovatsiyalarning tarqalishi nazariyasi
(DOI) hamda Moliyaviy vositachilik nazariyasiga asoslanadi. Empirik tahlil O‘zbekiston Markaziy banki, IMF va Jahon
banki ma’lumotlari asosida OLS, Fixed Effects, Random Effects, GMM hamda logit/probit modellari yordamida amalga
oshirildi. Natijalar raqamli to‘lovlar ulushining oshishi banklar rentabelligi va moliyaviy inklyuziyaga ijobiy ta’sir ko‘rsatishini
tasdiqlaydi. Tadqiqot natijalari O‘zbekistonda raqamli moliya va to‘lov infratuzilmasini rivojlantirish bo‘yicha amaliy tavsiyalar
ishlab chiqishga xizmat qiladi.
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