A comparative analysis of traditional and digital payment schemes: from cash to cryptocurrency

Davronov, Doniyorbek Zarrukhovich, Ziyadullayeva, Mohira Tagayevna

Қўқон ДПИ. Илмий хабарлар · 2026-yil

Annotatsiya

In this article, we conduct a comparative analysis of traditional and digital payment schemes, evolving from cash to modern cryptocurrency systems. The article examines three classic payment models (cash, check, and card) in comparison with modern digital solutions, including digital wallets, biometric authentication, and cryptocurrencies. Particular attention is paid to the three-layer architecture of payment schemes according to the W3C classification (policy, data flow, mechanism), as well as the problem of fragmentation of the payment infrastructure.

Maqola ma’lumotlari
MualliflarDavronov, Doniyorbek Zarrukhovich, Ziyadullayeva, Mohira Tagayevna
JurnalҚўқон ДПИ. Илмий хабарлар
NashriyotҚўқон давлат педагогика институти
ISSN3030-3958
Nashr sanasi2026-06-27
Jild8
Son3
Betlar489-497
TilIngliz
DOI10.70728/c.series.v08.i03.080
Indeksga qo‘shilgan2026-08-27

DOI: 10.70728/c.series.v08.i03.080 · Maqolaning asl sahifasi

Kalit so‘zlar

payment schemes, digital payments, traditional payments, cash settlements, cryptocurrency, digital wallets, biometric authentication, payment fragmentation, e-commerce, comparative analysis.

Iqtibos keltirish

APADavronov, Doniyorbek Zarrukhovich, & Ziyadullayeva, Mohira Tagayevna (2026). A COMPARATIVE ANALYSIS OF TRADITIONAL AND DIGITAL PAYMENT SCHEMES: FROM CASH TO CRYPTOCURRENCY. Қўқон ДПИ. Илмий хабарлар, 8(3), 489-497. https://doi.org/10.70728/c.series.v08.i03.080
GOST (OAK)Davronov, Doniyorbek Zarrukhovich, Ziyadullayeva, Mohira Tagayevna A COMPARATIVE ANALYSIS OF TRADITIONAL AND DIGITAL PAYMENT SCHEMES: FROM CASH TO CRYPTOCURRENCY // Қўқон ДПИ. Илмий хабарлар. – 2026. – T. 8, № 3. – P. 489-497. – DOI: 10.70728/c.series.v08.i03.080.
MLADavronov, Doniyorbek Zarrukhovich, and Ziyadullayeva, Mohira Tagayevna. “A COMPARATIVE ANALYSIS OF TRADITIONAL AND DIGITAL PAYMENT SCHEMES: FROM CASH TO CRYPTOCURRENCY.” Қўқон ДПИ. Илмий хабарлар, 8(3), 489-497, 2026. https://doi.org/10.70728/c.series.v08.i03.080
ChicagoDavronov, Doniyorbek Zarrukhovich, and Ziyadullayeva, Mohira Tagayevna. “A COMPARATIVE ANALYSIS OF TRADITIONAL AND DIGITAL PAYMENT SCHEMES: FROM CASH TO CRYPTOCURRENCY.” Қўқон ДПИ. Илмий хабарлар, 8(3), 489-497 (2026). https://doi.org/10.70728/c.series.v08.i03.080
HarvardDavronov, Doniyorbek Zarrukhovich, and Ziyadullayeva, Mohira Tagayevna (2026) ‘A COMPARATIVE ANALYSIS OF TRADITIONAL AND DIGITAL PAYMENT SCHEMES: FROM CASH TO CRYPTOCURRENCY’, Қўқон ДПИ. Илмий хабарлар, 8(3), 489-497. https://doi.org/10.70728/c.series.v08.i03.080
BibTeX
@article{davronovdoniyorbekzarrukhovich2026,
  title = {A COMPARATIVE ANALYSIS OF TRADITIONAL AND DIGITAL PAYMENT SCHEMES: FROM CASH TO CRYPTOCURRENCY},
  author = {Davronov, Doniyorbek Zarrukhovich and Ziyadullayeva, Mohira Tagayevna},
  journal = {Қўқон ДПИ. Илмий хабарлар},
  year = {2026},
  volume = {8},
  number = {3},
  pages = {489-497},
  doi = {10.70728/c.series.v08.i03.080},
  url = {https://doi.org/10.70728/c.series.v08.i03.080}
}

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