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 |
| Nashr sanasi | 2025-09-29 |
| Jild | 3 |
| Son | 9 |
| Betlar | 43-48 |
| Til | O‘zbek |
| DOI | 10.60078/2992-877x-2025-vol3-iss9-pp43-48 |
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
This article presents methods, forms and basic principles for taxing the income of individuals. Methods, forms and principles of taxation and their socio-economic impact are covered. The effect of progressive and…
This article analysis the impact of global climate change on agricultural production based on international scientific research. The study explores how factors such as rising temperatures, changes in precipitation…
The article examines the scientific and practical aspects of ensuring sanitary and environmental conditions for residents through the optimization of insolation within a microdistrict. It is shown that insolation is one…
The article covers the current state, development factors and prospects of the clothing industry in the Republic of Uzbekistan. The role of the industry in the national economy, the need to modernize production…
In the process of reforming the processes of innovative service provision in the production of agricultural products in the republic, based on the existing theoretical and methodological research of the authors in the…
This article provides an empirical analysis of the key economic factors influencing regional disparities in household income. The study examines indicators such as per capita income, average wages, employment rate…
This article discusses the issues of developing a competitive environment in the country by improving tax administration. The existing problems in the tax administration system, their impact on the activities of…
This article examines the issues related to improving the accounting system for tax benefits and preferences granted to enterprises. It analyzes various forms of tax relief, their economic efficiency, and their impact…
The article highlights the methodological foundations of applying fiscal policy tools to legalize the shadow economy. It examines opportunities for transitioning from the informal to the formal sector through tax…
В статье подробно проанализирована экономическая среда, виды и этапы развития электронной коммерции, а также особенности поведения потребителей в цифровой среде. Электронная коммерция рассматривается как сложная…