IMPACT OF ELECTRONIC COMMERCE AND DIGITAL PAYMENT SYSTEMS ON REGIONAL ECONOMIC GROWTH

This scientific work analyzes the impact of electronic commerce and digital payment systems on regional economic growth. As a result of the rapid development of the digital economy, online trade and payment technologies are becoming an important factor in economic activity. Especially in remote and underdeveloped regions, the introduction of digital payment systems stimulates the activities of small and medium-sized businesses, increases the level of financial inclusion, and expands access to markets. The article examines the impact of e-commerce infrastructure, mobile payment platforms, and fintech services on economic performance using figures. It also provides practical recommendations based on Uzbekistan’s regional experience and ongoing reforms in this area. The research results demonstrate the relevance of effective use of digital technologies in accelerating regional economic growth.