{"id":5972,"date":"2026-08-30T15:05:23","date_gmt":"2026-08-30T15:05:23","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=5972"},"modified":"2026-09-08T15:07:29","modified_gmt":"2026-09-08T15:07:29","slug":"development-trends-and-prospects-of-mobile-payment-services-in-the-digital-economy-of-uzbekistan","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=5972","title":{"rendered":"DEVELOPMENT TRENDS AND PROSPECTS OF MOBILE PAYMENT SERVICES IN THE DIGITAL ECONOMY OF UZBEKISTAN"},"content":{"rendered":"<p><strong><em>Isaeva Zulfiya Lapasovna,<\/em><\/strong><\/p>\n<p><strong><em>\u00a0<\/em><\/strong><em>applicant for PhD (doctoral) studies in Digital Economy at the Graduate School of Business and Entrepreneurship under the <\/em><\/p>\n<p><em>Cabinet of Ministers of the Republic of Uzbekistan.<\/em><\/p>\n<p><em>ORCID: 0009-0002-1399-9960<br \/>\nE-mail: zisaeva208@gmail.com<\/em><\/p>\n<p><strong><em>Abstract. <\/em><\/strong><em>The paper examines the present condition, development trends and prospects of mobile payment services in Uzbekistan. The study reviews the expansion of digital payment infrastructure, the role of the national payment systems Uzcard and Humo, the growing influence of major fintech operators, the performance of P2P transactions, and the transformation of consumer payment behavior. Drawing on statistical data for 2020\u20132026 and analytical insights, the author identifies key structural shifts, existing challenges, and future prospects for mobile payments within the broader process of Uzbekistan\u2019s digital economic transformation.<\/em><\/p>\n<p><strong><em>Keywords. <\/em><\/strong><em>mobile payments, fintech, Uzcard, Humo, P2P transactions, digital economy, Uzbekistan.<\/em><\/p>\n<p><strong><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Isaeva Zulfiya Lapasovna, \u00a0applicant for PhD (doctoral) studies in Digital Economy at the Graduate School of Business and Entrepreneurship under the Cabinet of Ministers of the Republic of Uzbekistan. ORCID: 0009-0002-1399-9960 E-mail: zisaeva208@gmail.com Abstract. The paper examines the present condition, <a href=\"https:\/\/interfinance.tsue.uz\/?p=5972\" 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-5972","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>DEVELOPMENT TRENDS AND PROSPECTS OF MOBILE PAYMENT SERVICES IN THE DIGITAL ECONOMY OF UZBEKISTAN - 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=5972\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DEVELOPMENT TRENDS AND PROSPECTS OF MOBILE PAYMENT SERVICES IN THE DIGITAL ECONOMY OF UZBEKISTAN - Journal of International Finance and Accounting\" \/>\n<meta property=\"og:description\" content=\"Isaeva Zulfiya Lapasovna, \u00a0applicant for PhD (doctoral) studies in Digital Economy at the Graduate School of Business and Entrepreneurship under the Cabinet of Ministers of the Republic of Uzbekistan. ORCID: 0009-0002-1399-9960 E-mail: zisaeva208@gmail.com Abstract. 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ORCID: 0009-0002-1399-9960 E-mail: zisaeva208@gmail.com Abstract. 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