№ 60-3 (том 1): ОБРАЗОВАНИЕ И НАУКА В XXI ВЕКЕ, Март, 2025
Научно-образовательные статьи

FINANCIAL INCLUSION AND DIGITAL TRANSFORMATION

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  • Berdiyeva Ayna,
  • Gulberdiyeva Mylayym,
  • Jumanazarov Begjan,
  • Saryyev Iskender
Berdiyeva Ayna
Yagshygeldi Kakayev International oil and gas university of Turkmenistan
Gulberdiyeva Mylayym
Yagshygeldi Kakayev International oil and gas university of Turkmenistan
Jumanazarov Begjan
Yagshygeldi Kakayev International oil and gas university of Turkmenistan
Saryyev Iskender
Yagshygeldi Kakayev International oil and gas university of Turkmenistan

Опубликован 26.03.2025

Как цитировать

A. Berdiyeva, M. Gulberdiyeva, B. Jumanazarov, & I. Saryyev. (2025). FINANCIAL INCLUSION AND DIGITAL TRANSFORMATION. ОБРАЗОВАНИЕ И НАУКА В XXI ВЕКЕ, 60-3 (том 1). https://mpcareer-google.ru/index.php/journal/article/view/1312

Аннотация

Financial inclusion and digital transformation have emerged as critical drivers of economic development and social equity in the 21st century. This research paper explores the interplay between these two phenomena, examining how digital technologies have expanded access to financial services for underserved populations. The study employs a mixed-methods approach, combining quantitative analysis of global financial inclusion data with qualitative case studies of digital transformation initiatives in developing economies. The findings reveal that digital transformation, particularly through mobile banking, digital payment systems, and fintech innovations, has significantly reduced barriers to financial access.

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Библиографические ссылки

  1. World Bank. (2021). Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. Washington, DC: World Bank.
  2. GSMA. (2020). The Mobile Economy 2020. London: GSMA.
  3. Rogers, E. M. (2003). Diffusion of Innovations (5th ed.). New York: Free Press.
  4. Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319-340.
  5. Government of India. (2014). Pradhan Mantri Jan Dhan Yojana: A National Mission for Financial Inclusion. New Delhi: Ministry of Finance.