WAYS AND PROSPECTS FOR DEVELOPING THE DIGITAL ECONOMY THROUGH THE EFFECTIVE USE OF PAYMENT SYSTEMS AND INTEGRATORS IN ECONOMIC SECTORS

This thesis examines the role of electronic payment systems and financial integrators in the development of the digital economy across economic sectors. The study analyzes the process of introducing electronic payment systems into the banking sector of Uzbekistan since independence, as well as their legal foundations and significance in the growth of electronic commerce. Special attention is given to mobile payments, internet banking, and electronic money systems, and their impact on accelerating economic transactions and improving financial accessibility. Based on the results of a nationwide survey, the level of public usage of electronic payment systems, their key advantages, and existing challenges are evaluated. The findings indicate that strengthening the integration of payment systems and improving their efficiency are essential factors for sustainable digital economic development.