RAQAMLI TO‘LOV TIZIMLARINING RIVOJLANISHI VA ULARNING AFZALLIKLARI
DOI:
https://doi.org/10.55439/INS/vol3_iss4/495##article.subject##:
raqamli to‘lov tizimlari, raqamli to‘lovlar, elektron to‘lovlar, moliyaviy texnologiyalar, moliyaviy inklyuzivlik, kiberxavfsizlik, raqamli savodxonlik, an‘anaviy to‘lov tizimlari.##article.abstract##
Mazkur maqolada raqamli to‘lov tizimlarining rivojlanish tendensiyalari, ularning asosiy turlari va afzalliklari nazariy-tavsifiy tahlil asosida yoritilgan. Xorijiy va mahalliy tadqiqotchilarning ishlariga tayangan holda raqamli to‘lov tizimlarining an’anaviy to‘lov usullaridan farqlari, ularning iqtisodiy va ijtimoiy afzalliklari, shuningdek amaliyotda uchraydigan asosiy muammo va cheklovlar tahlil qilingan.
References
InfoCom.uz — “Raqamli to‘lov tizimlarini rivojlanish trendensiyalari”. https://infocom.uz/articles/raqamli-tolov-tizimlarini-rivojlanish-trendensiyalari
Statista Market Forecast — “Digital Payments — Worldwide”, 2026. https://www.statista.com/outlook/fmo/payments/digital-payments/worldwide/
Ghosh, G. (2021). Adoption of digital payment system by consumer: a review of literature. International Journal of Creative Research Thoughts, 9(2), 2320-2882.
Sunil, S. V., & Nalwaya, D. N. (2023). Digital payment systems–An overview of categories and extant opportunities and challenges. International Journal for Research in Applied Science and Engineering Technology, 11(4), 211-217.
Minarni, E. (2025). Impact of digital payment systems on financial inclusion and small business growth in developing economies. International Journal of Innovation and Thinking, 2(1), 1-12.
Kayumova, M., & Xasanova, M. (2026). RAQAMLI TO‘LOV TIZIMLARINING PUL AYLANISH TEZLIGIGA TA’SIRI. Ilgʻor Iqtisodiyot Va Pedagogik Texnologiyalar, 3(2), 104-110. https://doi.org/10.60078/3060-4842-2026-vol3-iss2-pp104-110
Franciska, A. M., & Sahayaselvi, S. (2017). An overview on digital payments. International Journal of Research, 4(13), 2101-2111.
Downloads
##submissions.published##
How to Cite
##issue.issue##
##section.section##
License
Copyright (c) 2026 Jumaniyazov Rashid Azamatovich
This work is licensed under a Creative Commons Attribution 4.0 International License.
