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DIGITAL PAYMENT SYSTEMS AND FINANCIAL INCLUSION: THE CASE OF UZBEKISTAN

Аlijonovа Rаyxonа Аkmаljon kizi , 2nd-year student of Fergana State Technical University

Abstract

 This paper analyzes the development of digital payment systems in Uzbekistan and their impact on financial inclusion, defined as access to financial services for all segments of society. Electronic payment platforms such as Click, Payme, Apelsin, Uzum, ZoodPay, and Anorbank have significantly increased the use of digital financial services. Using data from the Central Bank of Uzbekistan, the State Statistics Committee, and international organizations, the study examines transaction volumes, user growth, and access indicators. The findings demonstrate that digital payment systems play a crucial role in expanding financial inclusion, accelerating the transition to a cashless economy, and improving financial literacy among the population.

Keywords

digital payment systems, financial inclusion, mobile banking, fintech, transaction, Central Bank, electronic payments.

References

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DIGITAL PAYMENT SYSTEMS AND FINANCIAL INCLUSION: THE CASE OF UZBEKISTAN. (2025). International Journal of Artificial Intelligence, 5(10), 1124-1131. https://www.academicpublishers.org/journals/index.php/ijai/article/view/7036