Development of cross-border payments in Uzbekistan: digitalization, opportunities, and challenges

Jiyanova N.E., Utepova G.B.

Innovation science and technologiy · 2025-yil

Annotatsiya

The article analyzes the current status and future potential of cross-border settlements in Uzbekistan in light ofthe high digitalization of the fnancial system. Key achievements are discussed, including the implementation of SWIFT gpiand the integration of national payment systems with international platforms. A SWOT analysis was conducted to identifystrengths, opportunities, and key challenges, such as a limited legal framework and cyber threats. Recommendationsare made to develop a regulatory framework for digital currencies, add cybersecurity features, and expand internationalcooperation. The creation of a central bank digital currency is a promising step towards improving the efciency andtransparency of settlements.

Maqola ma’lumotlari
MualliflarJiyanova N.E., Utepova G.B.
JurnalInnovation science and technologiy
NashriyotТошкент давлат иқтисодиёт университети
Nashr sanasi2025-04-30
Jild1
Son3
Betlar145-150
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.5281/zenodo.17427880
Indeksga qo‘shilgan2026-08-26

DOI: 10.5281/zenodo.17427880 · Maqolaning asl sahifasi

Kalit so‘zlar

cross-border payments, digitalization, SWIFT gpi, HUMO, Uzcard, blockchain, central bank digital currency (CBDC), cybersecurity, Uzbekistan.

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAJiyanova N.E., & Utepova G.B. (2025). DEVELOPMENT OF CROSS-BORDER PAYMENTS IN UZBEKISTAN: DIGITALIZATION, OPPORTUNITIES, AND CHALLENGES. Innovation science and technologiy, 1(3), 145-150. https://doi.org/10.5281/zenodo.17427880
GOST (OAK)Jiyanova N.E., Utepova G.B. DEVELOPMENT OF CROSS-BORDER PAYMENTS IN UZBEKISTAN: DIGITALIZATION, OPPORTUNITIES, AND CHALLENGES // Innovation science and technologiy. – 2025. – T. 1, № 3. – P. 145-150. – DOI: 10.5281/zenodo.17427880.
MLAJiyanova N.E., and Utepova G.B. “DEVELOPMENT OF CROSS-BORDER PAYMENTS IN UZBEKISTAN: DIGITALIZATION, OPPORTUNITIES, AND CHALLENGES.” Innovation science and technologiy, 1(3), 145-150, 2025. https://doi.org/10.5281/zenodo.17427880
ChicagoJiyanova N.E., and Utepova G.B. “DEVELOPMENT OF CROSS-BORDER PAYMENTS IN UZBEKISTAN: DIGITALIZATION, OPPORTUNITIES, AND CHALLENGES.” Innovation science and technologiy, 1(3), 145-150 (2025). https://doi.org/10.5281/zenodo.17427880
HarvardJiyanova N.E., and Utepova G.B (2025) ‘DEVELOPMENT OF CROSS-BORDER PAYMENTS IN UZBEKISTAN: DIGITALIZATION, OPPORTUNITIES, AND CHALLENGES’, Innovation science and technologiy, 1(3), 145-150. https://doi.org/10.5281/zenodo.17427880
BibTeX
@article{jiyanovane2025,
  title = {DEVELOPMENT OF CROSS-BORDER PAYMENTS IN UZBEKISTAN: DIGITALIZATION, OPPORTUNITIES, AND CHALLENGES},
  author = {Jiyanova N.E. and Utepova G.B.},
  journal = {Innovation science and technologiy},
  year = {2025},
  volume = {1},
  number = {3},
  pages = {145-150},
  doi = {10.5281/zenodo.17427880},
  url = {https://doi.org/10.5281/zenodo.17427880}
}

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