Vol. 1 No. 6 (2026), Articles
Vol. 1 No. 6 (2026)

PROBLEMS AND PROSPECTS FOR THE DEVELOPMENT OF MOBILE PAYMENT SYSTEMS IN THE DIGITAL ECONOMY OF UZBEKISTAN

Articles
Published 2026-09-30
Isaeva Zulfiya
Applicant for admission to the PhD program in “Digital Economy,” Higher School of Business and Entrepreneurship under the Cabinet of Ministers of the Republic of Uzbekistan
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Keywords

mobile payments, fintech, digital divide, cyber risks, regulation, digital economy, Uzbekistan

How to Cite

Isaeva Zulfiya. (2026). PROBLEMS AND PROSPECTS FOR THE DEVELOPMENT OF MOBILE PAYMENT SYSTEMS IN THE DIGITAL ECONOMY OF UZBEKISTAN. Kelajak Texnologiyalari Va sun’iy Intellekt, 1(6), 167-169. https://doi.org/10.5281/zenodo.23069077
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Abstract

The thesis examines the main challenges hindering the development of mobile payment systems in Uzbekistan: the digital divide between urban and rural areas, increasing cyber risks, the lag of the regulatory and legal framework behind the pace of fintech development, as well as methodological problems in statistical accounting. Directions for addressing the identified problems are proposed.

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References

1. Центральный банк Республики Узбекистан. Статистика платёжных систем. – Ташкент: ЦБ РУз, 2026. URL: cbu.uz/ru/statistics/paysistem/

2. KPMG Uzbekistan. Fintech and Payments Market Overview 2025–2026. – Ташкент: KPMG Eurasia, 2026.

3. Министерство цифровых технологий Республики Узбекистан. Доклад «Развитие цифровой экономики и электронных услуг». – Ташкент: МЦТ РУз, 2026.

4. Министерство экономики и финансов Республики Узбекистан. Аналитический обзор «Трансформация платёжной инфраструктуры и сокращение наличного оборота». – Ташкент: МЭФ РУз, 2025.