MOLIYA BOSHQARUVIDA ZAMONAVIY AXBOROT TIZIMLARINING ROLI

This article examines the application of modern information technologies (artificial intelligence, blockchain, cloud computing) in Uzbekistan's financial system, current challenges and solutions. The study analyzes global and regional statistics from 2020-2024, along with official reports from the Central Bank and financial institutions of Uzbekistan. Special focus is given to how technological innovations impact the efficiency and security of financial services, while also addressing critical issues like cybersecurity gaps, workforce training deficiencies, and regulatory framework limitations. The paper proposes practical solutions including establishing a "National Cybersecurity Fund", creating a "FinTech Academy", and developing a "Digital Finance Law". Research findings demonstrate that successful digital transformation in Uzbekistan's financial sector requires collaborative efforts between government, private sector and academic institutions. The study utilizes comparative analysis of international best practices (Singapore, Estonia) while adapting them to local context through case studies of Uzbekistan's FinTech ecosystem development.