Digital transformation of the financial market of Tajikistan: theory, methodology and practical aspects

the purpose of this author's study is to comprehensively analyze the processes of digital transformation of the financial market of the Republic of Tajikistan in the period 2020-2024. The research methods used in writing this study include system analysis, statistical data processing, comparative analysis and economic and mathematical modeling. The main results obtained by the author while working on the article show that the digitalization of the financial sector of Tajikistan is characterized by uneven development of various segments, while the banking sector demonstrates the most dynamic pace of implementation of digital technologies. The main conclusions of this study indicate the need for a systematic approach to digital transformation, taking into account the specifics of the national economy and international experience. The practical significance of the study lies in the development of recommendations for improving the mechanisms of digitalization of the financial market of the Republic of Tajikistan.

digital transformation, financial market, banking system, fintech, digital payments, Republic of Tajikistan, money circulation, lending, financial technologies, electronic services