THE ECONOMIC AND SOCIAL IMPACT OF DIGITAL BANKING SERVICES ON FINANCIAL INCLUSION
Abstract
Ushbu maqolada raqamli bank xizmatlarining moliyaviy inklyuziyani kengaytirishdagi iqtisodiy va ijtimoiy ta’siri tahlil qilinadi. Tadqiqotda 2018–2024 yillar oralig‘idagi xalqaro manbalar (IMF, BIS, OECD, FSB, World Bank) hamda O‘zbekiston tajribasi asosida raqamli transformatsiyaning aholi moliyaviy faolligiga, ijtimoiy tenglikka va iqtisodiy samaradorlikka ta’siri o‘rganildi. Natijalarga ko‘ra, raqamli bank xizmatlari tranzaksiya xarajatlarini kamaytiradi, moliyaviy xizmatlardan foydalanish imkonini kengaytiradi va ijtimoiy inklyuziyani kuchaytiradi. Shu bilan birga, raqamli savodxonlik, kiberxavfsizlik va regulyativ muvofiqlikning ahamiyati ham asoslab berilgan.
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