THE RELATIONSHIP BETWEEN DIGITAL PAYMENT SYSTEMS AND THE LEVEL OF FINANCIAL ACCESS AMONG THE POPULATION

Authors

  • Kenjayeva Sabohat Safarovna 4th-year student, Department of Economics, Termiz State University

Keywords:

digital payments, financial access, mobile banking, fin-tech, financial inclusion, Uzbekistan.

Abstract

This article analyzes the relationship between the development of digital payment systems and the level of access to financial services in Uzbekistan. The study examines data from 2020–2024, focusing on digital banking, mobile payments, QR-code transactions, and the growth of individual bank accounts.
The findings show that the expansion of digital payment infrastructure has significantly improved financial accessibility, reduced informal cash circulation, and promoted the growth of the digital economy.

References

Central Bank of Uzbekistan. Reports on Payment Systems Activities (2020–2024). https://cbu.uz

Statistics Agency of Uzbekistan. Macroeconomic and Digital Economy Indicators (2020–2024). https://stat.uz

World Bank. Global Findex Database – Financial Inclusion Indicators, 2021 & 2024 editions. https://globalfindex.worldbank.org

IMF. Digitization and Financial Access in Emerging Economies, Washington D.C., 2023.

Shukurov A., Sobirova N. The Impact of Digital Payment Systems on Economic Growth. Economy and Innovation Journal, 2023, No. 4.

Author’s calculations based on data from the Central Bank and the Statistics Agency (2020–2024).

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Published

2025-11-14

How to Cite

Kenjayeva Sabohat Safarovna. (2025). THE RELATIONSHIP BETWEEN DIGITAL PAYMENT SYSTEMS AND THE LEVEL OF FINANCIAL ACCESS AMONG THE POPULATION. Ethiopian International Journal of Multidisciplinary Research, 12(11), 291–295. Retrieved from https://eijmr.org/index.php/eijmr/article/view/3907

Issue

Vol. 12 No. 11 (2025): Ethiopian International Journal of Multidisciplinary Research

Section

Articles