DIGITAL MONEY INQILOBI: XXI ASRDA PUL TABIATINING O‘ZGARISHI VA UNING OQIBATLARI
DOI:
https://doi.org/10.5281/zenodo.17712956Keywords:
digital money, raqamli iqtisodiyot, blokcheyn, CBDC, Markaziy bank, raqamli transformatsiya, kriptoaktiv, fintex.Abstract
Ushbu maqolada XXI asrda global moliyaviy tizimda kechayotgan tub o‘zgarishlar, jumladan Digital money fenomeni (hodisasi)ning rivojlanishi, uning moliyaviy va iqtisodiy munosabatlar tizimidagi o‘rni, moliyaviy siyosat va davlatlar o‘rtasidagi raqobat muhitiga ta’siri tahlil qilinadi. Shuningdek, maqolada Digital money konsepsiyasining tarixiy asoslari, blokcheyn va raqamli texnologiyalar bilan bog‘liq transformatsiya jarayonlari hamda Markaziy banklar tomonidan yaratilayotgan CBDC modellarining afzallik va xatarları yoritilgan. Tadqiqotda Digital moneyning pul olamiga kiritayotgan konseptual o‘zgarishlari, uning jamiyat, biznes va moliyaviy bozorlarga ko‘rsatayotgan ta’siri hamda kelgusidagi global iqtisodiy barqarorlikka ta’sir etuvchi omil sifatidagi o‘rni ilmiy jihatdan asoslangan va tegishli xulosalar shakllantirilgan.
References
1. IMF (2021). A New Era of Digital Money. www.imf.org
2. BIS (2022–2024). BIS Working Papers on CBDC and Digital Money. www.bis.org
3. European Central Bank (2023). Digital Euro Investigation Report. www.ecb.europa.eu
4. McKinsey (2024). Tokenized Cash and Next-Generation Payments. www.mckinsey.com
5. World Bank (2023). Digital Payments and Economic Development. www.worldbank.org
6. Vahobov A., Khasanov B., Sattorov D. O‘zbekistonda raqamli bank xizmatlari rivojlanishi. TDYU va TDIU nashrlari.
7. O‘zbekiston Respublikasi Prezidenti farmon va qarorlari: PF-6079 (2020-y.), PQ-4699 (2020-y.), PQ-4551 (2019-y.) www.lex.uz
8. HRF CBDC Tracker (2024). Global Central Bank Digital Currencies Database. https://cbdctracker.hrf.org Bank for International Settlements (BIS) (2023). Project reports and overview of CBDC initiatives. https://www.bis.org/publ
9. KPMG Caucasus & Central Asia (2024). Sustainability Reporting in Caucasus & Central Asia. https://assets.kpmg.com/content/dam/kpmg/az/pdf/2025/SSR_Eng_Caucasus.pdf
10. GRI (2023). Global Adoption of Sustainability Reporting Among Top Companies. https://www.globalreporting.org/news/news-center/gri-global-adoption-by-top-companies-continues-to-grow/
11. KPMG (2024). The Move to Mandatory Reporting: Survey of Sustainability Reporting 2024. https://kpmg.com/xx/en/our-insights/esg/the-move-to-mandatory-reporting.html
