RAQAMLI TO'LOV TIZIMLARINING EVOLYUTSIYASI: NAQD PUL, BANK KARTALARI, MOBIL TO'LOVLAR VA KRIPTOVALYUTALAR QIYOSIY TAHLILI
Authors/Creators
- 1. Toshkent davlat iqtisodiyot universiteti "Buxgalteriya hisobi" fakulteti talabasi
Description
Ushbu maqolada global moliya tizimida to'lov vositalarining tarixiy rivojlanishi va hozirgi holati kompleks tarzda o'rganiladi. Naqd pul muomalasidan tortib, plastik kartalar, mobil to'lov ilovalariga va nihoyat kriptovalyutalargacha bo'lgan evolyutsion zanjir statistik ma'lumotlar va xalqaro tajriba asosida tahlil etiladi. Tadqiqot shuni ko'rsatadiki, 2020–2025 yillar davomida raqamli to'lovlar ulushi global miqyosda 29 foizdan 61 foizga oshgan bo'lsa, naqd pul ulushi shunchalik keskin kamaygan. Xitoy, Hindiston va skandinaviya mamlakatlarining tajribasi qiyosiy tarzda ko'rib chiqilib, O'zbekiston sharoiti uchun amaliy tavsiyalar ishlab chiqiladi. Kriptovalyutalar va markaziy bank raqamli valyutalari (CBDC) imkoniyatlari, ularning risklari bilan birga muhokama qilinadi. Xulosa qismida O'zbekistondagi to'lov tizimlarini modernizatsiya qilish uchun aniq yo'nalishlar taklif etiladi.
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References
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