Electronic money and the importance of using them

Ismoilova , Gulnora, Исмоилова , Гулнора, Ismoilova , Gulnora

Илғор иқтисодиёт ва педагогик технологиялар · 2025-yil

Annotatsiya

This article analyses the use of electronic money in Uzbekistan, as well as the factors influencing its development and the existing challenGES. Although the adoption of electronic payment instruments has significantly increased in recent years due to the growth of the digital economy, several constraints—including insufficient infrastructure, low digital literacy, and limited trust in the banking system—have been identified as slowing down this process. The study provides a comparative analysis of the experiences of Uzbekistan, Turkey, and Kazakhstan, and presents statistical data on chanGES in total bank deposits, the share of electronic money, and term deposits from 2017 to 2024. The findings indicate that despite the rise in the use of electronic money, its share within total bank funds has decreased. These trends are shown to be closely related to the development of digital infrastructure, security systems, digital literacy, and government regulatory policies. The author emphasizes the need to expand infrastructure, strengthen security measures, improve digital literacy, and enhance the legal framework to further promote the development of the electronic money market

Maqola ma’lumotlari
MualliflarIsmoilova , Gulnora, Исмоилова , Гулнора, Ismoilova , Gulnora
JurnalИлғор иқтисодиёт ва педагогик технологиялар
NashriyotТошкент давлат иқтисодиёт университети ҳузуридаги «Ўзбекистон иқтисодиётини ривожлантиришнинг илмий асослари ва муаммолари» илмий-тадқиқот маркази
ISSN1994-2025
Nashr sanasi2025-12-03
Jild2
Son6
Betlar349-358
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.60078/3060-4842-2025-vol2-iss6-pp349-358
Indeksga qo‘shilgan2026-08-26

DOI: 10.60078/3060-4842-2025-vol2-iss6-pp349-358 · Maqolaning asl sahifasi

Kalit so‘zlar

electronic money, digital economy, electronic payment system, bank card, digital literacy, cybersecurity, banking system, term deposits, e-wallet, infrastructure, QR payments, banking sector of Uzbekistan, электронные деньги, цифровая экономика, система электронных платежей, банковская карта, цифровая грамотность, кибербезопасность, банковская система, срочные депозиты, электронный кошелёк, инфраструктура, QR-платежи, банковский сектор Узбекистана, elektron pul, raqamli iqtisodiyot, elektron to‘lov tizimi, plastik karta, raqamli savodxonlik, kiberxavfsizlik, bank tizimi, muddatli depozitlar, elektron hamyon, infratuzilma, QR-kod to‘lovlari, O‘zbekiston bank sektori

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAIsmoilova , Gulnora, Исмоилова , Гулнора, & Ismoilova , Gulnora (2025). ELECTRONIC MONEY AND THE IMPORTANCE OF USING THEM. Илғор иқтисодиёт ва педагогик технологиялар, 2(6), 349-358. https://doi.org/10.60078/3060-4842-2025-vol2-iss6-pp349-358
GOST (OAK)Ismoilova , Gulnora, Исмоилова , Гулнора, Ismoilova , Gulnora ELECTRONIC MONEY AND THE IMPORTANCE OF USING THEM // Илғор иқтисодиёт ва педагогик технологиялар. – 2025. – T. 2, № 6. – P. 349-358. – DOI: 10.60078/3060-4842-2025-vol2-iss6-pp349-358.
MLAIsmoilova , Gulnora, Исмоилова , Гулнора, and Ismoilova , Gulnora. “ELECTRONIC MONEY AND THE IMPORTANCE OF USING THEM.” Илғор иқтисодиёт ва педагогик технологиялар, 2(6), 349-358, 2025. https://doi.org/10.60078/3060-4842-2025-vol2-iss6-pp349-358
ChicagoIsmoilova , Gulnora, Исмоилова , Гулнора, and Ismoilova , Gulnora. “ELECTRONIC MONEY AND THE IMPORTANCE OF USING THEM.” Илғор иқтисодиёт ва педагогик технологиялар, 2(6), 349-358 (2025). https://doi.org/10.60078/3060-4842-2025-vol2-iss6-pp349-358
HarvardIsmoilova , Gulnora, Исмоилова , Гулнора, and Ismoilova , Gulnora (2025) ‘ELECTRONIC MONEY AND THE IMPORTANCE OF USING THEM’, Илғор иқтисодиёт ва педагогик технологиялар, 2(6), 349-358. https://doi.org/10.60078/3060-4842-2025-vol2-iss6-pp349-358
BibTeX
@article{ismoilovagulnora2025,
  title = {ELECTRONIC MONEY AND THE IMPORTANCE OF USING THEM},
  author = {Ismoilova , Gulnora and Исмоилова , Гулнора and Ismoilova , Gulnora},
  journal = {Илғор иқтисодиёт ва педагогик технологиялар},
  year = {2025},
  volume = {2},
  number = {6},
  pages = {349-358},
  doi = {10.60078/3060-4842-2025-vol2-iss6-pp349-358},
  url = {https://doi.org/10.60078/3060-4842-2025-vol2-iss6-pp349-358}
}

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