DIGITALIZATION OF MICROFINANCE SERVICES IN THE REPUBLIC OF UZBEKISTAN

Authors

  • Maksudov Orif Shakirovich ,Farkhod Jumanazarovich Mukhammadiev SamIES, Senior Lecturer Student, Samarkand Institute of Economics and Service Faculty of Banking and Auditing Group BI-S-221

DOI:

https://doi.org/10.55640/

Keywords:

Digitalization, microfinance organizations, financial services, financial inclusion, artificial intelligence, economic development.

Abstract

 This research article examines the characteristics, current trends, and long-term prospects of the digitalization of microfinance services in the Republic of Uzbekistan. The relevance of studying the digitalization of microfinance services in Uzbekistan stems from the need to overcome geographic and infrastructural barriers. The traditional model of microfinance organizations, based on the physical presence of branches and paper-based document management, is gradually losing its effectiveness.

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References

1. Mirziyoyev Sh. M. Development Strategy of the New Uzbekistan for 2022–2026. Tashkent: Uzbekistan Publishing House, 2022. 45–52.

2. Abdullaev A. A., Rakhimov B. K. Development of Digital Banking and Non-Bank Credit Organizations in the Context of the Formation of the Digital Economy of Uzbekistan. Economy and Innovative Technologies. Tashkent, 2024. 112–121.

3. Central Bank of the Republic of Uzbekistan. Report on the State of Development of the Microfinance Market and Digitalization of Financial Services for 2025. Tashkent: 2026. 18–29.

4. World Bank. Global Financial Inclusion Database: Financial Inclusion, Digital Payments, and Resilience in the Digital Age. Washington: World Bank Group, 2023. 67–84. https://doi.org/10.1596/978-1-4648-1897-4

5. Kumar R., Standard M. Digital Transformation in Microfinance Institutions: Platforms, Ecosystems, and Smart Scoring Mechanisms Journal of Financial Regulation and Compliance. London: 2025. 145–162. https://doi.org/10.1108/JFRC-06-2024-0089

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Published

2026-06-12

Issue

Vol. 5 No. 6 (2026): 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

DIGITALIZATION OF MICROFINANCE SERVICES IN THE REPUBLIC OF UZBEKISTAN. (2026). Journal of Multidisciplinary Sciences and Innovations, 5(6), 949-951. https://doi.org/10.55640/

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