Том 11 № 4 (2025): MOLIYA VA BANKISHI
Nashr maqolalari

FINTECH RIVOJLANISHI VA OPERATSION XAVFNING QIYOSIY TAHLILI: “CLICK” VA “PAYME” MISOLIDA

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  • Bekzod Xamidov
Bekzod Xamidov
Bank-Moliya akademiyasi

Nashr qilingan 2025-12-19

Iqtibos

Xamidov, B. (2025). FINTECH RIVOJLANISHI VA OPERATSION XAVFNING QIYOSIY TAHLILI: “CLICK” VA “PAYME” MISOLIDA. MOLIYA VA BANK ISHI, 11(4), 44–48. Retrieved from https://journal.bfa.uz/index.php/bfaj/article/view/370

Аннотация

Mazkur maqolada moliyaviy texnologiyalar (fintech) sohasi global hamda
mahalliy miqyosda iqtisodiy o’sish, moliyaviy inklyuziya hamda raqamli
transformatsiya uchun asosiy katalizator sifatida qabul qilinmoqda.
O’zbekistonda “Click” va “Payme” kabi raqamli to’lov platformalari tez
sur’atda rivojlanib, aholining aksariyat qismini qamrab olgan. Shu bilan
birga, raqamli tizimlarning keng tarqalishi operatsion xavflarnikiberhujumlar, tizim nosozliklari, regulyatorlik talablari hamda inson
xatosi kabi omillarni kuchaytirmoqda. Ushbu maqola O’zbekistondagi
ikkita yetakchi fintech platformasi -“Click” va “Payme”ni operatsion xavflar
nuqtai nazaridan qiyosiy tahlil qilish orqali ularning barqarorligi,
xavfsizlik tizimlari hamda xavfni boshqarish samaradorligini baholashga
qaratilgan. Tadqiqot natijalari sifatida ikkala platforma ham operatsion
xavflarga duch kelgan bo’lsa-da, Payme AI asosidagi monitoring tizimi va
Uzum ekotizimiga integratsiyasi tufayli ba’zi jihatlarda afzallikka ega
ekanligi ko’rsatildi. Shu bilan birga, tizimning markazlashtirilgan tuzilishi,
regulyatorlik muhitidagi noaniqlik hamda foydalanuvchi savodxonligi
yetishmovchiligi kabi umumiy xavflar ham aniqlandi.

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