TECHNOLOGY AND INNOVATION IN FINANCIAL SERVICES: INVESTIGATE THE ADOPTION OF FINTECH SOLUTIONS AND THEIR IMPACT ON ACCESSIBILITY, EFFICIENCY, AND SECURITY IN UZBEKISTAN'S FINANCIAL MARKETS.
Keywords:
Fintech, financial market, digital economy, cybersecurity, banks, investments, financial culture, personal data, Big Data, cyberattacks, algorithms, hacking, digitalization.Abstract
Fintech is very crucial topic in these days because In Uzbekistan fintech plays a dual role in ensuring the development of Uzbekistan's financial market, on the one hand, financial technologies transform the market, making it more advanced and developed, on the other hand, fintech poses a serious threat to national security because of the industry's constant demand for access to citizens' personal data, which is used to shape their purchasing behavior and becomes a target for hacking and cyberattacks. The main purpose of the scientific investigation is to examine how fintech is being adopted and how it affects the financial markets in Uzbekistan in terms of efficiency, security, and accessibility.
References
Blekh, A., et al. (2020). Fintech Landscape in Uzbekistan.
Kuldasheva, D., & Djumabaeva, N. (2019). Mobile Banking Adoption in Uzbekistan.
Khamidov, U., & Ganiev, A. (2021). Fintech Impact on Financial Inclusion.
Kudratov, S., et al. (2020). Peer-to-Peer Lending Platforms in Uzbekistan.
Tashkent Fintech Hub. (2021). Empowering Small Businesses through Fintech.
World Bank Group. (2021). Digital Transformation in Uzbekistan's Financial Sector.
Gulamov, N., et al. (2019). Blockchain Technology Adoption in Financial Services.
IMF. (2022). Economic Implications of Fintech Adoption.
Rakhimov, A., & Abduvakhidova, M. (2020). Cybersecurity Challenges in Fintech.
NBU. (2021). Data Protection Regulations in Uzbekistan.
UNCTAD. (2020). Consumer Awareness in Fintech Security.
Central Bank of Uzbekistan. (2023). Regulatory Framework for Fintech.
ADB. (2021). Regulatory Sandboxes for Fintech Innovation.
Ministry of Innovative Development. (2022). Collaborative Fintech Ecosystem.References:
