О‘zbekistonda fintex sanoati evolyusiyasi: salohiyat va kelgusidagi rivojlanish

The article examines the evolution and institutionalization of the FinTech industry in Uzbekistan within the broader context of the country’s digital economic transformation. Based on statistical data and international reports, the study demonstrates that FinTech has become a key driver of financial inclusion, innovation, and digital ecosystem development. The paper identifies the main structural components of the Uzbek FinTech market, including payment services, neobanking, POS financing, BNPL, and Islamic FinTech, and analyzes both the growth factors and existing challenges. The study also highlights institutional reforms, venture investment trends, and international integration processes. The proposed policy measures focus on regulatory enhancement, infrastructure development, and human capital formation, which will strengthen Uzbekistan’s role as a regional FinTech hub in Central Asia.

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