TO‘LOV TIZIMINI BARQAROR RIVOJLANTIRISH: UCH O‘LCHAMLI BAHOLASH RAMKASI, ALMASHUVLAR TAHLILI VA O‘ZBEKISTON UCHUN USTUVOR YO‘NALISHLAR
DOI:
https://doi.org/10.5281/zenodo.23834906Annotatsiya
Maqolada to‘lov tizimini barqaror rivojlantirishning uch o‘lchamli (iqtisodiy, ijtimoiy va ekologik) baholash ramkasi ishlab chiqilgan. Adabiyotlarda va siyosat hujjatlarida to‘lovlarni raqamlashtirish ko‘pincha barqarorlikning barcha o‘lchamlariga bir yo‘nalishda ijobiy ta’sir qiluvchi jarayon sifatida qaraladi. Tadqiqot ushbu taxminni miqdoriy jihatdan tekshiradi. Uglerod izining uch kanalli parametrik modeli qurildi va O‘zbekiston ma’lumotlari asosida hisoblandi. Natijada kutilmagan xulosa olindi: 2019–2024-yillarda tranzaksiyalarni almashtirish hisobiga tejalgan emissiya (yiliga 0,73–2,73 ming tonna CO₂-ekv) POS-terminallar tarmog‘ining energiya sarfidan (yiliga 4,05 ming tonna) 2,8 barobar kam. Ijtimoiy o‘lchamda moliyaviy xizmatlardan tashqarida qolgan 7,9 mln kishining 66 foizini ayollar tashkil etadi. Iqtisodiy o‘lchamda bozor konsentratsiyasi indeksi (HHI) 2 153–2 670 oralig‘ida baholandi. Sakkizta rivojlanish yo‘nalishi uch o‘lcham bo‘yicha baholanib, ulardan ikkitasi o‘lchamlar o‘rtasida almashuv (trade-off) hosil qilishi aniqlandi.Kalit soʻzlar
barqaror rivojlanish, to‘lov tizimi, uglerod izi, hayotiy sikl tahlili, moliyaviy inklyuzivlik, gender tafovuti, bozor konsentratsiyasi, HHI, Barqaror rivojlanish maqsadlari, almashuv tahliliFoydalanilgan adabiyotlar roʻyxati
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