O’ZBEKISTONDA FINTEX BOZORI VA UNING SAMARADORLIGINI OSHIRISH YO’LLARI

Abstract

Mazkur maqolada O‘zbekistonda fintex bozori rivojlanishining hozirgi holati, uning iqtisodiyotdagi o‘rni hamda samaradorligini oshirish omillari tahlil qilinadi. Shuningdek, raqamli texnologiyalarni moliya sohasiga joriy etish jarayonlari, elektron to‘lov tizimlari, mobil banking, blokcheyn va startap ekotizimining rivojlanish tendensiyalari ko‘rib chiqiladi. Tadqiqot davomida fintex xizmatlarining aholiga qulayligi, moliyaviy inklyuziyani kengaytirishdagi ahamiyati hamda bank tizimi raqobatbardoshligini oshirishdagi roli asoslab beriladi. Maqolada fintex bozorining samaradorligini oshirish bo‘yicha me’yoriy-huquqiy bazani takomillashtirish, innovatsion infratuzilmani rivojlantirish va investitsion muhitni yaxshilashga qaratilgan takliflar ishlab chiqilgan.

This article examines the current state of the fintech market in Uzbekistan, its role in the national economy, and the key factors influencing its efficiency. It analyzes the implementation of digital technologies in the financial sector, including electronic payment systems, mobile banking, blockchain solutions, and the development trends of the startup ecosystem. The study highlights the importance of fintech services in increasing financial inclusion, improving accessibility for the population, and enhancing the competitiveness of the banking sector. Furthermore, the paper proposes practical recommendations aimed at improving the regulatory framework, strengthening innovative infrastructure, and creating a favorable investment environment to increase the overall efficiency of the fintech market in Uzbekistan.