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Vol. 13 No. 01 (2026)
International Multidisciplinary Journal for Research & Development

Articles

DIGITAL FINANCE (E-MONEY) AND REGULATION: OPPORTUNITIES AND RISKS

Published 2026-01-09

  • Dilarom Bekchanova

Dilarom Bekchanova
Master's Student Asia International University

Abstract

The article analyzes the development of digital finance (e-money) systems, their role in the global financial system, and regulatory mechanisms. The main types of e-money systems, economic efficiency of their use, and opportunities for increasing financial inclusion are identified. Risks of e-money systems, international experience of their regulation, and practical recommendations for Uzbekistan are provided. Statistical indicators of the global e-money market for 2023-2024 and development forecasts are presented within the research framework.

Keywords

Electronic money, digital finance, regulation, financial inclusion, cybersecurity, central bank digital currency

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References

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