THE IMPORTANCE AND NECESSITY OF DIGITAL FINANCIAL INSTRUMENTS FOR UZBEKISTAN TO BECOME ONE OF THE DEVELOPED COUNTRIES

Authors

  • Nazarova Umida Mamadali kizi JSCB “Uzpromstroybank”, Chief Specialist

DOI:

https://doi.org/10.55640/

Keywords:

digital transformation, e-government, cybersecurity fintech, electronic payments, information technologies, information and communication technologies (ICT)

Abstract

 This scientific article provides an in-depth analysis of digital transformation processes in Uzbekistan’s economy. It highlights the main directions of digital technology implementation, statistical indicators for the period 2019–2024, the growth of e-government systems, fintech, and electronic payment services, as well as their impact on the national economy. The research, based on state policy, international experience, and national reforms, presents a scientific analysis that demonstrates the role of digital transformation in the country’s sustainable development.

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References

1.Presidential Decree of the Republic of Uzbekistan No. PF–6079 “On Approval of the Digital Uzbekistan – 2030 Strategy” (October 5, 2020).

2.Development Strategy of the Republic of Uzbekistan for 2022–2026.

3.World Bank. Digital Economy for Central Asia Report, 2023.

4.UNDP. Digital Transformation and Inclusive Growth in Emerging Economies, 2022.

5.EBRD. Digital Transition Initiative Annual Report, 2023.

6.UNCTAD. Digital Economy Report 2024: Harnessing Data for Development.

7.Castells, M. (2000). The Rise of the Network Society. Oxford: Blackwell.

8.Schwab, K. (2016). The Fourth Industrial Revolution. Geneva: World Economic Forum.

9.IT Park Uzbekistan Annual Reports, 2023–2024.

10.State Committee of the Republic of Uzbekistan on Statistics. Digital Economy Indicators 2019–2024.

11.Central Bank of Uzbekistan. Annual Report on Digital Payment Systems, 2024.

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Published

2025-10-30

Issue

Vol. 4 No. 9 (2025): Journal of Multidisciplinary Sciences and Innovations

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Authors retain the copyright of their manuscripts, and all Open Access articles are disseminated under the terms of the Creative Commons Attribution License 4.0 (CC-BY), which licenses unrestricted use, distribution, and reproduction in any medium, provided that the original work is appropriately cited. The use of general descriptive names, trade names, trademarks, and so forth in this publication, even if not specifically identified, does not imply that these names are not protected by the relevant laws and regulations.

How to Cite

THE IMPORTANCE AND NECESSITY OF DIGITAL FINANCIAL INSTRUMENTS FOR UZBEKISTAN TO BECOME ONE OF THE DEVELOPED COUNTRIES. (2025). Journal of Multidisciplinary Sciences and Innovations, 4(9), 1503-1508. https://doi.org/10.55640/

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