CONSUMER PROTECTION IN THE USE OF DIGITAL FINANCIAL SERVICES IN UZBEKISTAN

Digital financial services, including mobile banking, electronic payments and online credit, allow consumers to manage money without visiting a bank or payment provider. This convenience also changes how consumers receive information, give consent and challenge transactions. In this thesis, "digital financial services" is used as a practical term for financial services accessed or delivered through digital channels; the legal analysis focuses on the consumer protections that apply to those services under Uzbek law.