DIGITAL FINANCE (E-MONEY) AND REGULATION: OPPORTUNITIES AND RISKS

The article analyzes the development of digital finance (e-money) systems, their role in the global financial system, and regulatory mechanisms. The main types of e-money systems, economic efficiency of their use, and opportunities for increasing financial inclusion are identified. Risks of e-money systems, international experience of their regulation, and practical recommendations for Uzbekistan are provided. Statistical indicators of the global e-money market for 2023-2024 and development forecasts are presented within the research framework.