This article analyzes the theoretical models of digitalization in institutional development and their relevance to the financial system. Based on scholarly sources and international experience, it is demonstrated that digital technologies enhance transparency, ensure accountability, reduce transaction costs, and increase economic efficiency in the relations between the state and the private sector. The Technology Acceptance Model, the Diffusion of Innovations Theory, and Institutional Theory are examined as the main approaches to implementing digital solutions. The study also highlights national-level challenges, including insufficient digital infrastructure integration, weak incentive mechanisms for small and medium-sized enterprises, and cybersecurity risks. According to the author’s conclusions, aligning digital technologies with institutional reforms and international standards is a key factor in strengthening the stability of Uzbekistan’s financial system and building public trust.
| Mualliflar | Aripov , Javoxir, Арипов Джавахир , Джавахир, Aripov , Javoxir |
|---|---|
| Jurnal | Иқтисодий тараққиёт ва таҳлил |
| Nashriyot | Ўзбекистон иқтисодиётини ривожлантиришнинг илмий-тадқиқот маркази |
| ISSN | 2992-877X |
| Nashr sanasi | 2025-09-29 |
| Jild | 3 |
| Son | 9 |
| Betlar | 43-48 |
| Til | Ingliz |
| Ilmiy soha | Iqtisodiyot |
| DOI | 10.60078/2992-877x-2025-vol3-iss9-pp43-48 |
| Indeksga qo‘shilgan | 2026-08-27 |
DOI: 10.60078/2992-877x-2025-vol3-iss9-pp43-48 · Maqolaning asl sahifasi
digitalization, institutional development, financial system, technology acceptance model, diffusion of innovations theory, цифровизация, институциональное развитие, финансовая система, теория диффузии инноваций, институциональная теори, raqamlashtirish, institutsional rivojlanish, moliya tizimi, texnologiyani qabul qilish modeli, innovatsiyalar tarqalishi nazariyasi, institutsional nazariya
| APA | Aripov , Javoxir, Арипов Джавахир , Джавахир, & Aripov , Javoxir (2025). THEORETICAL MODELS OF DIGITALIZATION IN INSTITUTIONAL DEVELOPMENT. Иқтисодий тараққиёт ва таҳлил, 3(9), 43-48. https://doi.org/10.60078/2992-877x-2025-vol3-iss9-pp43-48 |
|---|---|
| GOST (OAK) | Aripov , Javoxir, Арипов Джавахир , Джавахир, Aripov , Javoxir THEORETICAL MODELS OF DIGITALIZATION IN INSTITUTIONAL DEVELOPMENT // Иқтисодий тараққиёт ва таҳлил. – 2025. – T. 3, № 9. – P. 43-48. – DOI: 10.60078/2992-877x-2025-vol3-iss9-pp43-48. |
| MLA | Aripov , Javoxir, Арипов Джавахир , Джавахир, and Aripov , Javoxir. “THEORETICAL MODELS OF DIGITALIZATION IN INSTITUTIONAL DEVELOPMENT.” Иқтисодий тараққиёт ва таҳлил, 3(9), 43-48, 2025. https://doi.org/10.60078/2992-877x-2025-vol3-iss9-pp43-48 |
| Chicago | Aripov , Javoxir, Арипов Джавахир , Джавахир, and Aripov , Javoxir. “THEORETICAL MODELS OF DIGITALIZATION IN INSTITUTIONAL DEVELOPMENT.” Иқтисодий тараққиёт ва таҳлил, 3(9), 43-48 (2025). https://doi.org/10.60078/2992-877x-2025-vol3-iss9-pp43-48 |
| Harvard | Aripov , Javoxir, Арипов Джавахир , Джавахир, and Aripov , Javoxir (2025) ‘THEORETICAL MODELS OF DIGITALIZATION IN INSTITUTIONAL DEVELOPMENT’, Иқтисодий тараққиёт ва таҳлил, 3(9), 43-48. https://doi.org/10.60078/2992-877x-2025-vol3-iss9-pp43-48 |
| BibTeX | @article{aripovjavoxir2025,
title = {THEORETICAL MODELS OF DIGITALIZATION IN INSTITUTIONAL DEVELOPMENT},
author = {Aripov , Javoxir and Арипов Джавахир , Джавахир and Aripov , Javoxir},
journal = {Иқтисодий тараққиёт ва таҳлил},
year = {2025},
volume = {3},
number = {9},
pages = {43-48},
doi = {10.60078/2992-877x-2025-vol3-iss9-pp43-48},
url = {https://doi.org/10.60078/2992-877x-2025-vol3-iss9-pp43-48}
} |
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