O’ZBEKISTON MOLIYAVIY INKLYUZIYA HOLATINI YAXSHILASH SOHASIDA RAQAMLI TEXNOLOGIYALARNI JORIY ETISH HAMDA TAKOMILLASHTIRISH VA ULARNING SAMARADORLIGINI OSHIRISH YO’LLARI
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Kalit so’zlar: raqamlashtirish, moliya, risk, davlat boshqaruvi, moliyaviy inklyuziya, fintech innovatsiyalar.##common.commaListSeparator## Keywords: digitization, finance, risk, public administration, financial inclusion, fintech innovations.##article.abstract##
Annotatsiya. Moliyaviy xizmatlardan foydalanishdagi tengsizlik zamonaviy dunyoda ijtimoiy-iqtisodiy tengsizlikning shakllaridan biridir. Raqamli texnologiyalar bugungi kunda ushbu muammoni hal qilishda sezilarli yutuqlarga erishish va kam ta'minlangan uy xo'jaliklari, kichik va o'rta tadbirkorlarga moliyaviy xizmatlardan foydalanish imkoniyatini yaratish uchun yangi imkoniyatlar yaratdi. Bu ularga rasmiy iqtisodiyotda samarali ishtirok etish, farovonligini oshirish va hayot sifatini yaxshilash imkonini beradi. Shu bilan birga, raqamlashtirish yangi texnologik xatarlarning paydo bo'lishi sababli jiddiy muammolarni keltirib chiqaradi. Bunday risklarni boshqarish maxsus dasturlarni ishlab chiqish va moliyaviy xizmatlarni raqamlashtirish jarayonini tartibga solishning nostandart usullaridan foydalanishni talab qiladi.
Annotation. Inequality in access to financial services is one of the forms of socio-economic inequality in the modern world. Digital technologies have made significant strides in addressing this issue by creating new opportunities for low-income households, small and medium-sized enterprises to access financial services. This enables them to participate effectively in the formal economy, improve their well-being, and enhance their quality of life. At the same time, digitalization introduces serious challenges due to the emergence of new technological risks. Managing such risks requires the development of specialized programs and the use of unconventional approaches to regulating the digitalization of financial services.
