FINTECH TEXNOLOGIYALARI VA ULARNING KORXONA LIKVIDLIGIGA TA’SIRI
DOI:
https://doi.org/10.5281/zenodo.17426881Keywords:
Fintech, likvidlik, korxona moliyasi, raqamli to‘lovlar, blokcheyn, sun’iy intellekt, pul oqimi, moliyaviy texnologiyalar, onlayn kreditlash, raqamli transformatsiya, moliyaviy barqarorlik, joriy likvidlik, tezkor likvidlik, risk boshqaruvi, raqamli moliyaviy tizimAbstract
Ushbu maqolada Fintech texnologiyalarining korxonalarda likvidlikni boshqarish samaradorligiga ta’siri tahlil
qilinadi. Tadqiqotda raqamli to‘lov tizimlari, blokcheyn, sun’iy intellekt va onlayn kreditlash platformalari orqali korxonalarning
pul oqimlarini tezkor boshqarish imkoniyatlari o‘rganilgan. Fintech vositalari yordamida likvidlikning asosiy ko‘rsatkichlari,
joriy likvidlik, tezkor likvidlik va pul oqimi aylanishi, real vaqt rejimida monitoring qilinadi va bashorat modellar orqali
tahlil etiladi. O‘zbekiston korxonalarida Fintech yechimlarini joriy etish natijasida to‘lov kechikishlari kamaygani, kreditga
kirish imkoniyatlari kengaygani va operatsion xarajatlar qisqargani aniqlangan. Tadqiqot natijalari Fintech texnologiyalari
moliyaviy barqarorlikni mustahkamlashda, kapital aylanishini tezlashtirishda va moliyaviy boshqaruvni raqamlashtirishda
muhim o‘rin tutishini ko‘rsatadi.
References
1. Al-Shouha, L. (2025). Nexus Between Fintech Innovations and Liquidity Risk in Emerging Markets. Journal Name,
18(5), 226.
2. Eshpulatov, D. (2022). Fintech Development in the Republic of Uzbekistan. SSRN. https://ssrn.com/abstract=4128225
3. Fan, C., et al. (2024). Can FinTech transform corporate liquidity? Evidence from China. Journal Name.
4. Junarsin, E. (2023). Does fintech lending expansion disturb financial system stability? Journal Name.
5. Kou, G., et al. (2025). FinTech: a literature review of emerging financial technologies. Journal of Financial Innovation,
X(X).
6. Liu, Y., Abdul Rahman, A., Imna Mohd Amin, S., & Ja’afar, R. (2025). Navigating fintech and banking risks: insights
from a systematic literature review. Humanities & Social Sciences Communications, 12, 717.
7. Ullah, I., Jebran, K., & Ur Rahman, M. (2022). Impact of FinTech on Stock Price Liquidity. SSRN.
8. Ulmasov, A. S. (2024). Revolutionizing Uzbekistan’s Banking Sector Through Fintech Innovations. Indonesian Journal
of Law and Economics Review, 19(2). https://doi.org/10.21070/ijler.v19i2.1053
9. Wu, Z., et al. (2024). FinTech adoption in banks and their liquidity creation. Journal Name.
10. UNDP. (2025). Digital Economy of Uzbekistan (Report).
11. IMF. (2025). Republic of Uzbekistan: Financial Sector Assessment Program-Financial System Stability Assessment
(IMF Staff Country Report).
12. KPMG. (2024). Fintech: B2C Payments, POS financing and BNPL in Uzbekistan (Report).
13. StartupBase.uz. (2025). Overview of the fintech industry in Uzbekistan. Retrieved from StartupBase.uz
14. Khalilov, A., & Cui, H. (2025). Impact of technology adoption on the financial services performance in Uzbekistan.
Finance & Accounting Research Journal, 7(2), 50-63. https://doi.org/10.51594/farj.v7i2.1820
15. Al-Majali, M., Aldalaien, B., & AL-Khazaleh, S., & Al-Smadi, R. (2025). Exploring the nexus of fintech development,
systematic risk, and market discipline on financial stability: Evidence from Jordan. Emerging Economy and Innovation
Review. https://doi.org/10.2478/eoik-2025-0044
16. Wan, Q., & Cui, J. (2024). Dynamic Evolutionary Game Analysis of How Fintech in Banking Mitigates Risks in
Agricultural Supply Chain Finance. arXiv. https://arxiv.org/abs/2411.07604
17. Yue, P., Korkmaz, A. G., Yin, Z., & Zhou, H. (2022). The rise of digital finance: Financial inclusion or debt trap. arXiv.
https://arxiv.org/abs/2201.09221
18. “Financial Technologies to Uzbekistan’s Banking Sector.” (n.d.). JET’s – Journal of Economy, Tourism and Service.
https://jets.innovascience.uz/index.php/jets/article/view/260
19. “The impact of financial technology on bank performance in Arabian Countries.” (n.d.). Business Perspectives. https://
www.businessperspectives.org/images/pdf/applications/publishing/templates/article/assets/20325/BBS_2024_02_
Alshouha.pdf
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 YASHIL IQTISODIYOT VA TARAQQIYOT
This work is licensed under a Creative Commons Attribution 4.0 International License.