Oqiljonova Maxsuma
Consultant on Accounting and Taxation Issues
LLC “ABRAU CAPITAL”
Email:maxsuma0504@outlook.com
ORCID: 0009-0003-1896-4190
Abstract. This article examines the impact of FinTech services on the financial stability of small businesses in the digital economy, using the Uzum digital ecosystem as a case study. The study employs scientific literature review, analysis of secondary data, comparative analysis, and the case study method. It evaluates the role of FinTech services, including digital payments, e-commerce, lending, and Buy Now, Pay Later (BNPL) solutions, in improving small businesses’ access to financial resources, sales volumes, and cash flows. The findings indicate that the integration of FinTech and e-commerce within the Uzum ecosystem contributes to expanding market opportunities and strengthening the financial stability of small business entities.
Keywords: FinTech, digital economy, financial inclusion, small business, financial stability, digital payments, e-commerce, marketplace, Uzum Bank, Uzum Market, digital lending, BNPL, financing, cash flows.
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