INTEGRATION OF ELECTRONIC PAYMENT SYSTEMS AND FINANCIAL SERVICES: INTERNATIONAL EXPERIENCE AND THE CASE OF UZBEKISTAN

Аннотация:

This article examines the integration of electronic payment systems (EPS) and financial services, highlighting international experiences and their application in Uzbekistan. The study focuses on the role of digital transformation in improving financial inclusion, transparency, and efficiency within the financial sector. Comparative analysis of developed and developing countries’ practices provides insights into the potential for further advancement of Uzbekistan’s electronic payment infrastructure.