O‘ZBEKISTONDA RAQAMLI TO‘LOV TIZIMLARI FAOLIYATINI TARTIBGA SOLISHNING INSTITUTSIONAL MEXANIZMLARINI TAKOMILLASHTIRISH ISTIQBOLLARI
DOI:
https://doi.org/10.55439/INS/vol3_iss5/518##article.subject##:
raqamli to‘lovlar, institutsional mexanizm, Markaziy bank, to‘lov tashkiloti, fintech, interoperabellik, kiberxavfsizlik, riskka asoslangan nazorat, iste’molchi huquqlari, ochiq bankchilik.##article.abstract##
O‘zbekiston moliya bozorida raqamli to‘lovlar ulushi va texnologik xilma-xillikning tez sur’atlarda kengayishi to‘lov ekotizimini tartibga solishning an’anaviy, faqat litsenziyalashga tayangan modelidan ko‘ra kompleks institutsional yondashuvni talab etmoqda. Mazkur maqolada raqamli to‘lov tizimlari faoliyatini tartibga solishning huquqiy, tashkiliy, texnologik va risk-boshqaruv komponentlari yagona mexanizm sifatida tadqiq qilinadi. Tadqiqotda institutsional tahlil, qiyosiy tahlil, normativ-huquqiy kontent-tahlil, indikatorli baholash hamda ssenariy modellashtirish usullaridan foydalanildi. O‘zbekiston Respublikasi Markaziy bankining 2024–2025-yillardagi ochiq statistikasi asosida to‘lov tashkilotlari, tezkor to‘lovlar, masofaviy bank xizmatlari va raqamli identifikatsiya yo‘nalishlaridagi o‘zgarishlar baholandi. Natijalar tartibga solish samaradorligining asosiy cheklovi texnologik bo‘shliqdan ko‘ra, institutlararo vakolatlarning parchalanishi, standartlarning bir xil qo‘llanilmasligi va ma’lumot almashinuvi mexanizmlarining yetarli darajada integratsiyalanmaganligida ekanini ko‘rsatadi. Muallif tomonidan taklif etilgan institutsional model riskka asoslangan nazorat, ochiq standartlar, interoperabellik, iste’molchi huquqlari va kiberbarqarorlikni birlashtiradi. Model 2027–2030-yillar uchun bosqichma-bosqich joriy etish ssenariylarini asoslash imkonini beradi.
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