The evolution of digital payment systems and their impact on the financial behavior of the population

Alieva, Susanna

Innovation science and technologiy · 2026-yil

Annotatsiya

This paper examines how the ongoing digitalization of payment systems reshapes bothconsumption patterns and saving behavior at the household level. Particular attention is given to shifts in financialdecision-making driven by the spread of contactless payments, mobile banking applications, and embeddedfinancial services. Drawing on insights from behavioral economics alongside an institutional perspective, thestudy identifies several key pathways through which digital payment technologies influence intertemporalconsumer choices. The findings suggest that lower transaction costs and greater spending transparency do notlead to a single outcome but instead generate mixed effects on the balance between consumption and saving.The paper also highlights how differences in digital engagement contribute to the diversification of financialbehavior across households.

Maqola ma’lumotlari
MualliflarAlieva, Susanna
JurnalInnovation science and technologiy
NashriyotТошкент давлат иқтисодиёт университети
Nashr sanasi2026-04-01
Jild2
Son4
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.5281/zenodo.20049085
Indeksga qo‘shilgan2026-08-26

DOI: 10.5281/zenodo.20049085 · Maqolaning asl sahifasi

Kalit so‘zlar

digital payment systems, households, consumer behavior, contactless payments, financial inclusion, behavioral economics, mobile banking, saving strategies

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAAlieva, Susanna (2026). THE EVOLUTION OF DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON THE FINANCIAL BEHAVIOR OF THE POPULATION. Innovation science and technologiy, 2(4). https://doi.org/10.5281/zenodo.20049085
GOST (OAK)Alieva, Susanna THE EVOLUTION OF DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON THE FINANCIAL BEHAVIOR OF THE POPULATION // Innovation science and technologiy. – 2026. – T. 2, № 4. – DOI: 10.5281/zenodo.20049085.
MLAAlieva, Susanna. “THE EVOLUTION OF DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON THE FINANCIAL BEHAVIOR OF THE POPULATION.” Innovation science and technologiy, 2(4), 2026. https://doi.org/10.5281/zenodo.20049085
ChicagoAlieva, Susanna. “THE EVOLUTION OF DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON THE FINANCIAL BEHAVIOR OF THE POPULATION.” Innovation science and technologiy, 2(4) (2026). https://doi.org/10.5281/zenodo.20049085
HarvardAlieva, Susanna (2026) ‘THE EVOLUTION OF DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON THE FINANCIAL BEHAVIOR OF THE POPULATION’, Innovation science and technologiy, 2(4). https://doi.org/10.5281/zenodo.20049085
BibTeX
@article{alievasusanna2026,
  title = {THE EVOLUTION OF DIGITAL PAYMENT SYSTEMS AND THEIR IMPACT ON THE FINANCIAL BEHAVIOR OF THE POPULATION},
  author = {Alieva, Susanna},
  journal = {Innovation science and technologiy},
  year = {2026},
  volume = {2},
  number = {4},
  doi = {10.5281/zenodo.20049085},
  url = {https://doi.org/10.5281/zenodo.20049085}
}

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