As Uzbekistan accelerates its transition toward a cashless society through policy and technological reforms,understanding the perspectives of young citizens is crucial. This article focuses on university students as a key demographicof early adopters in the cashless transformation. Using an IMRAD structure, it presents the fndings of an original survey(N = 150) examining students’ payment behaviors, their level of trust in digital fnance, and the challenges they face.The Introduction outlines the national shift toward digital payments and the importance of youth attitudes in sustainingthis transition. The Literature Review highlights global and local insights on digital payment adoption, including factors ofconvenience, security, and generational differences, to provide context for the study. The Methodology details the surveydesign and data collection at multiple universities in Uzbekistan, covering usage patterns, perceptions, awareness ofgovernment incentives, and demographics.Results reveal that an overwhelming majority of students use cashless methods frequently and prefer them for mosttransactions, citing convenience and better fnancial tracking as advantages. However, notable concerns are reported:nearly half worry about cybersecurity, many retain cash for backup due to occasional technical issues, and some arecautious about a fully cashless future primarily out of concern for less tech-savvy populations. Discussion interpretsthese fndings, indicating that while students are largely enthusiastic and trusting of digital payments (with most seeingthem as faster and easier than cash), their experiences underscore the need for continued improvements in security,reliability, and inclusion. The students’ awareness of broader societal issues (like the digital divide for rural or older people)suggests they are thoughtful about the implications of a cashless society. The article concludes that university studentsin Uzbekistan are poised to be catalysts of the cashless transition – their positive adoption and peer influence can drivechange – but it also stresses policy implications: enhancing educational campaigns, bolstering digital infrastructure, andensuring no group is left behind. These insights offer valuable guidance for policymakers and stakeholders aiming tofoster a secure and inclusive cashless economy
| Mualliflar | Khikmatullaev Ismoilkhuja Khusan ugli, Asep Miftahuddin |
|---|---|
| Jurnal | Innovation science and technologiy |
| Nashr sanasi | 2025-05-30 |
| Jild | 1 |
| Son | 5 |
| Betlar | 33-42 |
| Til | Ingliz |
| DOI | 10.5281/zenodo.17443548 |
DOI: 10.5281/zenodo.17443548 · Maqolaning asl sahifasi
cashless society; digital payment adoption; university students; trust in technology; fnancial behavior; youth and fntech
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