{"id":5939,"date":"2026-08-21T10:34:54","date_gmt":"2026-08-21T10:34:54","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=5939"},"modified":"2026-08-21T10:34:54","modified_gmt":"2026-08-21T10:34:54","slug":"assessing-the-impact-of-fintech-services-on-the-financial-stability-of-small-business-entities-the-case-of-the-uzum-platform","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=5939","title":{"rendered":"ASSESSING THE IMPACT OF FINTECH SERVICES ON THE FINANCIAL STABILITY OF SMALL BUSINESS ENTITIES: THE CASE OF THE UZUM PLATFORM"},"content":{"rendered":"<p><strong><em>Oqiljonova Maxsuma <\/em><\/strong><em><br \/>\nConsultant on Accounting and Taxation Issues<br \/>\nLLC \u201cABRAU CAPITAL\u201d<\/em><\/p>\n<p><em>Email:<\/em><em>maxsuma0504@outlook.com<\/em><\/p>\n<p><em>ORCID: 0009-0003-1896-4190<\/em><\/p>\n<p><strong><em>Abstract<\/em><\/strong><strong><em>. <\/em><\/strong><em>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\u2019 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.<\/em><\/p>\n<p><strong><em>Keywords:<\/em><\/strong><em> FinTech, digital economy, financial inclusion, small business, financial stability, digital payments, e-commerce, marketplace, Uzum Bank, Uzum Market, digital lending, BNPL, financing, cash flows.<\/em><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Oqiljonova Maxsuma Consultant on Accounting and Taxation Issues LLC \u201cABRAU CAPITAL\u201d 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 href=\"https:\/\/interfinance.tsue.uz\/?p=5939\" class=\"read-more\">Read More &#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[77],"tags":[],"class_list":["post-5939","post","type-post","status-publish","format-standard","hentry","category-2026-4-issue-1-6"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ASSESSING THE IMPACT OF FINTECH SERVICES ON THE FINANCIAL STABILITY OF SMALL BUSINESS ENTITIES: THE CASE OF THE UZUM PLATFORM - Journal of International Finance and Accounting<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/interfinance.tsue.uz\/?p=5939\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ASSESSING THE IMPACT OF FINTECH SERVICES ON THE FINANCIAL STABILITY OF SMALL BUSINESS ENTITIES: THE CASE OF THE UZUM PLATFORM - Journal of International Finance and Accounting\" \/>\n<meta property=\"og:description\" content=\"Oqiljonova Maxsuma Consultant on Accounting and Taxation Issues LLC \u201cABRAU CAPITAL\u201d Email:maxsuma0504@outlook.com ORCID: 0009-0003-1896-4190 Abstract. 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