Ikromov Kozim Tavakalovich Buxoro davlat universiteti Marketing va menejment kafedrasi mustaqil izlanuvchisi

Аннотация

This paper explores the role of financial technologies in advancing digital financial inclusion, with a focus on comparative analysis of international models and practices. Case studies from India, Kenya, China, and Kazakhstan are examined to identify key strategies for digitalizing financial services. Special attention is given to the current state of digital inclusion in Uzbekistan and the potential for adapting global experiences. The author offers practical recommendations tailored to the national context. Keywords: financial inclusion, fintech, digitalization, mobile payments, Uzbekistan, international experience, digital financial services.