Geographic Disparities in the Use of Digital Payment Services in Kashkadarya Region and Strategies to Reduce Them

This article examines geographic disparities in the use of digital payment services across the districts and cities of Kashkadarya Region. The analysis focuses on two dimensions of digital payment adoption: residents’ use of mobile payment applications and QR-code payments, and the availability of digital payment options at retail and service outlets. The article considers how internet connectivity, merchant acceptance, and users’ digital financial skills may contribute to differences across localities. Comparing these dimensions provides a basis for identifying areas with limited payment acceptance and areas where residents make limited use of available services. The article proposes strategies tailored to local conditions, including expanding merchant acceptance of digital payments, improving connectivity in underserved areas, and providing practical training on the safe use of digital payment services.