Expanding the financial capabilities of low-income families through digital financial services

Bauyetdinov M.J., Djumamuratova , Xurliman

Innovation science and technologiy · 2025-yil

Annotatsiya

the active digitalization of the financial sector in Uzbekistan creates significant opportunities for increasingfinancial inclusion and strengthening the economic resilience of low-income families. The development of digital financialservices is becoming a key tool for poverty reduction, as digital technologies reduce transaction costs, provide accessto financial instruments, improve financial literacy, and support the development of family entrepreneurship. Thisarticle examines the theoretical foundations of digital financial services, the mechanisms by which they influence thefinancial empowerment of low-income families in Uzbekistan, and analyzes international experience that can be adaptedto national conditions. The study draws on data from Global Findex, the Central Bank of Uzbekistan, the Ministry ofDigital Technologies, and international organizations, demonstrating real trends in the development of digital financialinfrastructure. The findings confirm the strategic importance of digital financial services in increasing financial inclusion,strengthening household economic self-sufficiency, and reducing poverty in the country

Maqola ma’lumotlari
MualliflarBauyetdinov M.J., Djumamuratova , Xurliman
JurnalInnovation science and technologiy
NashriyotТошкент давлат иқтисодиёт университети
Nashr sanasi2025-11-01
Jild1
Son11
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.5281/zenodo.17730753
Indeksga qo‘shilgan2026-08-26

DOI: 10.5281/zenodo.17730753 · Maqolaning asl sahifasi

Kalit so‘zlar

digital financial services, financial inclusion, low-income families, fintech, mobile payments, online banking, digital wallets, microfinance, digital economy, financial literacy

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APABauyetdinov M.J., & Djumamuratova , Xurliman (2025). EXPANDING THE FINANCIAL CAPABILITIES OF LOW-INCOME FAMILIES THROUGH DIGITAL FINANCIAL SERVICES. Innovation science and technologiy, 1(11). https://doi.org/10.5281/zenodo.17730753
GOST (OAK)Bauyetdinov M.J., Djumamuratova , Xurliman EXPANDING THE FINANCIAL CAPABILITIES OF LOW-INCOME FAMILIES THROUGH DIGITAL FINANCIAL SERVICES // Innovation science and technologiy. – 2025. – T. 1, № 11. – DOI: 10.5281/zenodo.17730753.
MLABauyetdinov M.J., and Djumamuratova , Xurliman. “EXPANDING THE FINANCIAL CAPABILITIES OF LOW-INCOME FAMILIES THROUGH DIGITAL FINANCIAL SERVICES.” Innovation science and technologiy, 1(11), 2025. https://doi.org/10.5281/zenodo.17730753
ChicagoBauyetdinov M.J., and Djumamuratova , Xurliman. “EXPANDING THE FINANCIAL CAPABILITIES OF LOW-INCOME FAMILIES THROUGH DIGITAL FINANCIAL SERVICES.” Innovation science and technologiy, 1(11) (2025). https://doi.org/10.5281/zenodo.17730753
HarvardBauyetdinov M.J., and Djumamuratova , Xurliman (2025) ‘EXPANDING THE FINANCIAL CAPABILITIES OF LOW-INCOME FAMILIES THROUGH DIGITAL FINANCIAL SERVICES’, Innovation science and technologiy, 1(11). https://doi.org/10.5281/zenodo.17730753
BibTeX
@article{bauyetdinovmj2025,
  title = {EXPANDING THE FINANCIAL CAPABILITIES OF LOW-INCOME FAMILIES THROUGH DIGITAL FINANCIAL SERVICES},
  author = {Bauyetdinov M.J. and Djumamuratova , Xurliman},
  journal = {Innovation science and technologiy},
  year = {2025},
  volume = {1},
  number = {11},
  doi = {10.5281/zenodo.17730753},
  url = {https://doi.org/10.5281/zenodo.17730753}
}

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