Development of electronic payment systems: electronic deposits and cybersecurity factors

Ismoilova, Gulnora, Исмоилова , Гулнора, Ismoilova , Gulnora

Иқтисодий тараққиёт ва таҳлил · 2026-yil

Annotatsiya

This article provides a comprehensive analysis of the development trends of electronic money and digital payment systems in the Republic of Uzbekistan, as well as their impact on the national economy. Within the scope of the study, economic, technological, and social factors influencing the growth of electronic money deposits during the period 2017–2024 were examined. In particular, the interrelationships between indicators such as the number of plastic cards, the volume of electronic payment transactions, bank deposits, and the network of payment terminals were assessed using correlation and regression analysis. In addition, the evolution of electronic money, the stages of development of plastic cards and digital payment systems, and their impact on economic efficiency were analyzed. The research results indicate that the reduction of transaction costs, the increase in financial transparency, and the expansion of financial inclusion are the main economic advantages of the electronic payment infrastructure. At the same time, cybersecurity issues associated with the development of digital financial infrastructure, including threats of cyberattacks such as phishing, malware, and DDoS attacks, were also examined. Based on the obtained results, forecast indicators for the development of electronic payments and electronic deposits for the period 2025–2029 were developed. The findings of the study demonstrate that electronic money and digital payment systems play a significant role in increasing economic efficiency, strengthening financial control, and promoting the development of the digital economy. Furthermore, the study substantiates the necessity of improving cybersecurity systems and enhancing the digital literacy of the population in order to ensure the sustainable development of the digital financial infrastructure.

Maqola ma’lumotlari
MualliflarIsmoilova, Gulnora, Исмоилова , Гулнора, Ismoilova , Gulnora
JurnalИқтисодий тараққиёт ва таҳлил
NashriyotЎзбекистон иқтисодиётини ривожлантиришнинг илмий-тадқиқот маркази
ISSN2992-877X
Nashr sanasi2026-03-31
Jild4
Son3
Betlar120-127
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.60078/2992-877x-2026-vol4-iss3-pp120-127
Indeksga qo‘shilgan2026-08-27

DOI: 10.60078/2992-877x-2026-vol4-iss3-pp120-127 · Maqolaning asl sahifasi

Kalit so‘zlar

electronic money, electronic deposits, digital economy, plastic cards, electronic payment systems, электронные деньги, электронные депозиты, цифровая экономика, пластиковые карты, электронные платёжные систем, финтех (финансовые технологии), кибербезопасность, платёжные терминалы, elektron pul, elektron depozitlar, raqamli iqtisodiyot, elektron to‘lov tizimlari, kiberxavfsizlik

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAIsmoilova, Gulnora, Исмоилова , Гулнора, & Ismoilova , Gulnora (2026). DEVELOPMENT OF ELECTRONIC PAYMENT SYSTEMS: ELECTRONIC DEPOSITS AND CYBERSECURITY FACTORS. Иқтисодий тараққиёт ва таҳлил, 4(3), 120-127. https://doi.org/10.60078/2992-877x-2026-vol4-iss3-pp120-127
GOST (OAK)Ismoilova, Gulnora, Исмоилова , Гулнора, Ismoilova , Gulnora DEVELOPMENT OF ELECTRONIC PAYMENT SYSTEMS: ELECTRONIC DEPOSITS AND CYBERSECURITY FACTORS // Иқтисодий тараққиёт ва таҳлил. – 2026. – T. 4, № 3. – P. 120-127. – DOI: 10.60078/2992-877x-2026-vol4-iss3-pp120-127.
MLAIsmoilova, Gulnora, Исмоилова , Гулнора, and Ismoilova , Gulnora. “DEVELOPMENT OF ELECTRONIC PAYMENT SYSTEMS: ELECTRONIC DEPOSITS AND CYBERSECURITY FACTORS.” Иқтисодий тараққиёт ва таҳлил, 4(3), 120-127, 2026. https://doi.org/10.60078/2992-877x-2026-vol4-iss3-pp120-127
ChicagoIsmoilova, Gulnora, Исмоилова , Гулнора, and Ismoilova , Gulnora. “DEVELOPMENT OF ELECTRONIC PAYMENT SYSTEMS: ELECTRONIC DEPOSITS AND CYBERSECURITY FACTORS.” Иқтисодий тараққиёт ва таҳлил, 4(3), 120-127 (2026). https://doi.org/10.60078/2992-877x-2026-vol4-iss3-pp120-127
HarvardIsmoilova, Gulnora, Исмоилова , Гулнора, and Ismoilova , Gulnora (2026) ‘DEVELOPMENT OF ELECTRONIC PAYMENT SYSTEMS: ELECTRONIC DEPOSITS AND CYBERSECURITY FACTORS’, Иқтисодий тараққиёт ва таҳлил, 4(3), 120-127. https://doi.org/10.60078/2992-877x-2026-vol4-iss3-pp120-127
BibTeX
@article{ismoilovagulnora2026,
  title = {DEVELOPMENT OF ELECTRONIC PAYMENT SYSTEMS: ELECTRONIC DEPOSITS AND CYBERSECURITY FACTORS},
  author = {Ismoilova, Gulnora and Исмоилова , Гулнора and Ismoilova , Gulnora},
  journal = {Иқтисодий тараққиёт ва таҳлил},
  year = {2026},
  volume = {4},
  number = {3},
  pages = {120-127},
  doi = {10.60078/2992-877x-2026-vol4-iss3-pp120-127},
  url = {https://doi.org/10.60078/2992-877x-2026-vol4-iss3-pp120-127}
}

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