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.本论文探讨了电子支付系统（electronic payment systems）与金融整合机构（financial integrators）在各经济领域数字经济发展中的作用。本研究分析了乌兹别克斯坦独立以来电子支付系统引入本国银行业的历程，以及电子支付系统在电子商务发展中的法律基础与重要意义。研究特别聚焦移动支付（mobile payments）、网络银行（internet banking）与电子货币系统（electronic money systems），及其对加快经济交易流转、提升金融普惠性的积极影响。基于全国性调研数据，本研究评估了公众对电子支付系统的使用普及程度、系统的核心优势以及现存发展挑战。研究结果表明，强化支付系统整合并提升其运行效率，是实现数字经济可持续发展的核心要素。