RAQAMLI MOLIYA INSTRUMENTLARI ORQALI MOLIYAVIY XATOLARDAN SAQLANISH

Аннотация

This article examines the prospects for the development of digital payment instruments and their impact on modern society. Key aspects such as security, transaction speed, convenience and simplicity of use are analyzed in detail. The main focus is on the study of digital means of payment, which allows you to make non-cash payments and transfers using modern information technologies. It is also noted that these systems have become an integral part of our daily lives and make financial transactions more convenient and available. An overview of the existing payment systems will be analyzed, their shortcomings will be analyzed and directions for further improvement and innovative development will be outlined in the future. The article will highlight such aspects as the main advantages of digital payment systems – ease of use, reduced time for carrying out bank transfers, the possibility of sending payments to any point in the world, and transparency of transactions. From digital means of payment, problems coming to the face between students and young people are analyzed. The fact that students are active in certain financial processes through the study of digital means of payment makes the skills of managing money in the account without any difficulties in themselves. This article will help you better understand the current state and development prospects of digital payment systems and assess their place in modern society. Kalit so`zi: raqamli to`lov vositalari, moliyaviy bilim, moliyaviy barqarorlik, tranzakstsiya, pul o`tkazmalari. https://scientific-jl.com/new 11 88 99 Volume–79_Issue-2_June-2025 JOURNAL OF NEW CENTURY INNOVATIONS