Swot Analysis Of Financial Technology Market Infrastructure Challenges In Uzbekistan
DOI:
https://doi.org/10.55640/jme-05-11-02Keywords:
Financial Technology (FinTech), Market Infrastructure, Regulatory FrameworkAbstract
The article investigates the structural challenges of Uzbekistan’s financial technology (FinTech) market infrastructure using a SWOT framework. Despite rapid digitalization and government support, FinTech development faces regulatory, technological, and institutional constraints. The paper synthesizes recent academic and policy literature to identify internal strengths and weaknesses, as well as external opportunities and threats, with strategic implications for sustainable FinTech growth in Uzbekistan.
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References
Central Bank of Uzbekistan. (2022). Digital Uzbekistan 2030 Strategy. Tashkent: CBU Press.
Goyibnazarova, M. (2024). FinTech development in Uzbekistan: Challenges and prospects. Journal of Central Asian Economics, 12(1), 45–62.
International Monetary Fund. (2023). FinTech and Financial Inclusion in Emerging Markets. Washington, DC: IMF Publications.
Tojiev, S. (2022). Cybersecurity risks in Uzbekistan’s digital finance sector. Uzbek Journal of Information Security, 8(2), 33–47.
World Bank. (2020). Uzbekistan Digital Economy Country Diagnostic. Washington, DC: World Bank Group.
Zetterli, M., & Kireyev, A. (2021). Regulatory Approaches to FinTech: Central Asia Case Studies. IMF Working Paper No. 21/198.
OECD. (2023). Digital Transformation and Financial Innovation in Eurasia. Paris: OECD Publishing.
UNESCAP. (2022). Harnessing FinTech for Financial Inclusion in Central Asia. Bangkok: United Nations Economic and Social Commission for Asia and the Pacific.
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Copyright (c) 2025 Pulatova Mohinur Shuhratovna
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