Ключевые слова
Аннотация
Mazkur tadqiqotda raqamli texnologiyalarning shaxsiy moliyani boshqarish jarayonidagi o‘rni va ahamiyati tahlil qilinadi. Unda mobil bank ilovalari, raqamli to‘lov tizimlari, onlayn moliyaviy platformalar hamda sun’iy intellektga asoslangan moliyaviy rejalashtirish vositalarining aholi moliyaviy xulq-atvoriga ta’siri yoritib beriladi. Tadqiqot natijalari raqamli texnologiyalar shaxsiy moliyani boshqarishda shaffoflikni oshirishi, daromad va xarajatlarni samarali nazorat qilish, jamg‘arish va investitsiya qarorlarini qabul qilish sifatini yaxshilashga xizmat qilishini ko‘rsatadi. Shuningdek, raqamli moliyaviy vositalar aholining moliyaviy savodxonligini oshirish va moliyaviy barqarorlikni ta’minlashda muhim omil ekanligi asoslab beriladi.
Библиографические ссылки
World Bank. (2023). Financial Consumer Protection and Digital Finance. Washington, DC: World Bank Group.
OECD. (2022). OECD/INFE Toolkit for Digital Financial Literacy. Paris: OECD Publishing.
IMF. (2021). Digital Financial Services and Financial Inclusion. Washington, DC: International Monetary Fund.
Demirgüç-Kunt, A., Klapper, L., Singer, D. & Ansar, S. (2022). The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience. Washington, DC: World Bank.
Lusardi, A. & Mitchell, O.S. (2014). The Economic Importance of Financial Literacy. Journal of Economic Literature, 52(1), pp. 5–44.
Gomber, P., Koch, J.-A. & Siering, M. (2017). Digital Finance and FinTech: Current Research and Future Research Directions. Journal of Business Economics, 87(5), pp. 537–580.
Mhlanga, D. (2020). Industry 4.0 in Finance: The Impact of Artificial Intelligence on Financial Services. Journal of Risk and Financial Management, 13(9), pp. 1–11.
Arner, D.W., Barberis, J. & Buckley, R.P. (2016). The Evolution of FinTech: A New Post-Crisis Paradigm. Georgetown Journal of International Law, 47(4), pp. 1271–1319.
Xiao, J.J. & O’Neill, B. (2018). Consumer Financial Education and Financial Capability. International Journal of Consumer Studies, 42(2), pp. 1–11.
Suri, T. & Jack, W. (2016). The Long-Run Poverty and Gender Impacts of Mobile Money. Science, 354(6317), pp. 1288–1292.
Markaziy bank. (2023). O‘zbekiston Respublikasida raqamli moliyaviy xizmatlarni rivojlantirish holati bo‘yicha hisobot. Toshkent: O‘zbekiston Respublikasi Markaziy banki.
Vahobov, A.V. & Alimov, A.N. (2021). Moliyaviy savodxonlik va shaxsiy moliyani boshqarish asoslari. Toshkent: Iqtisod-Moliya nashriyoti.