This article provides a theoretical and practical analysis of the main combinational models of partnerships between banks and mobile network operators (MNOs) in the digital payment system. The MNO-led, bank-led, joint venture, and platform ecosystem models are examined in detail. Using Uzbekistan as a case study, the article highlights the collaboration experience of mobile operators Beeline, Ucell, Uzmobile, and Mobiuz with fintech platforms such as Uzum Bank, Payme, and Click. The study concludes with recommendations for improving the effectiveness of bank-MNO partnerships and expanding digital financial inclusion in the country
| Mualliflar | Nuraliev , Nurbek, Нуралиев , Нурбек, Nuraliyev , Nurbek |
|---|---|
| Jurnal | Илғор иқтисодиёт ва педагогик технологиялар |
| Nashriyot | Тошкент давлат иқтисодиёт университети ҳузуридаги «Ўзбекистон иқтисодиётини ривожлантиришнинг илмий асослари ва муаммолари» илмий-тадқиқот маркази |
| ISSN | 1994-2025 |
| Nashr sanasi | 2026-06-15 |
| Jild | 3 |
| Son | 3 |
| Betlar | 556-562 |
| Til | Ingliz |
| Ilmiy soha | Iqtisodiyot |
| DOI | 10.60078/3060-4842-2026-vol3-iss3-pp556-562 |
| Indeksga qo‘shilgan | 2026-08-26 |
DOI: 10.60078/3060-4842-2026-vol3-iss3-pp556-562 · Maqolaning asl sahifasi
MNO-bank partnership, digital payment systems, mobile network operator, combinational model, financial inclusion, fintech, digital economy, Uzbekistan, партнёрство MNO-банк, системы цифровых платежей, оператор мобильной связи, комбинационная модель, финансовая инклюзивность, финтех, цифровая экономика, Узбекистан, MNO-bank hamkorligi, raqamli to‘lov tizimlari, mobil aloqa operatori, kombinatsion model, moliyaviy inklyuzivlik, fintech, raqamli iqtisodiyot, O‘zbekiston
| APA | Nuraliev , Nurbek, Нуралиев , Нурбек, & Nuraliyev , Nurbek (2026). COMBINATIONAL MODELS OF BANK AND MOBILE NETWORK OPERATOR PARTNERSHIPS IN THE DIGITAL PAYMENT SYSTEM: THEORY AND UZBEKISTAN PRACTICE. Илғор иқтисодиёт ва педагогик технологиялар, 3(3), 556-562. https://doi.org/10.60078/3060-4842-2026-vol3-iss3-pp556-562 |
|---|---|
| GOST (OAK) | Nuraliev , Nurbek, Нуралиев , Нурбек, Nuraliyev , Nurbek COMBINATIONAL MODELS OF BANK AND MOBILE NETWORK OPERATOR PARTNERSHIPS IN THE DIGITAL PAYMENT SYSTEM: THEORY AND UZBEKISTAN PRACTICE // Илғор иқтисодиёт ва педагогик технологиялар. – 2026. – T. 3, № 3. – P. 556-562. – DOI: 10.60078/3060-4842-2026-vol3-iss3-pp556-562. |
| MLA | Nuraliev , Nurbek, Нуралиев , Нурбек, and Nuraliyev , Nurbek. “COMBINATIONAL MODELS OF BANK AND MOBILE NETWORK OPERATOR PARTNERSHIPS IN THE DIGITAL PAYMENT SYSTEM: THEORY AND UZBEKISTAN PRACTICE.” Илғор иқтисодиёт ва педагогик технологиялар, 3(3), 556-562, 2026. https://doi.org/10.60078/3060-4842-2026-vol3-iss3-pp556-562 |
| Chicago | Nuraliev , Nurbek, Нуралиев , Нурбек, and Nuraliyev , Nurbek. “COMBINATIONAL MODELS OF BANK AND MOBILE NETWORK OPERATOR PARTNERSHIPS IN THE DIGITAL PAYMENT SYSTEM: THEORY AND UZBEKISTAN PRACTICE.” Илғор иқтисодиёт ва педагогик технологиялар, 3(3), 556-562 (2026). https://doi.org/10.60078/3060-4842-2026-vol3-iss3-pp556-562 |
| Harvard | Nuraliev , Nurbek, Нуралиев , Нурбек, and Nuraliyev , Nurbek (2026) ‘COMBINATIONAL MODELS OF BANK AND MOBILE NETWORK OPERATOR PARTNERSHIPS IN THE DIGITAL PAYMENT SYSTEM: THEORY AND UZBEKISTAN PRACTICE’, Илғор иқтисодиёт ва педагогик технологиялар, 3(3), 556-562. https://doi.org/10.60078/3060-4842-2026-vol3-iss3-pp556-562 |
| BibTeX | @article{nuralievnurbek2026,
title = {COMBINATIONAL MODELS OF BANK AND MOBILE NETWORK OPERATOR PARTNERSHIPS IN THE DIGITAL PAYMENT SYSTEM: THEORY AND UZBEKISTAN PRACTICE},
author = {Nuraliev , Nurbek and Нуралиев , Нурбек and Nuraliyev , Nurbek},
journal = {Илғор иқтисодиёт ва педагогик технологиялар},
year = {2026},
volume = {3},
number = {3},
pages = {556-562},
doi = {10.60078/3060-4842-2026-vol3-iss3-pp556-562},
url = {https://doi.org/10.60078/3060-4842-2026-vol3-iss3-pp556-562}
} |
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