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2026
III International Bioeconomy Forum: Special Issue

V-SEKSIYA - SIRKULYAR IQTISODIYOT VA QAYTA TIKLANUVCHI ENERGIYA MANBALARINI INTEGRATSIYALASH IMKONIYATLARINI OSHIRISH

SIRKULYAR IQTISODIYOT LOYIHALARINI MOLIYALASHTIRISHDA RAQAMLI TOʻLOV PLATFORMALARIDAN FOYDALANISH MEXANIZMLARINI TAKOMILLASHTIRISH

DOI 10.67668/mj/2026issmaxsus/2073 Pages 156-166

Published 2026-09-25

Authors
Isamuxamedov Anvar Sadiqovich
Affiliation
“Paynet” AJ Bosh direktori
III Bioiqtisodiyot xalqaro forumi, Buxoro, 24-25-sentabr 2026
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Abstract

The article examined the role of digital payment platforms as a financing infrastructure for circular economy projects. Combining fintech theory with circular business model concepts, the author substantiated that a payment platform shaped financial flows and generated data at every stage of resource circulation. The study assessed, from official sources, the share of cashless payments, bank cards and payment terminals in Uzbekistan and household waste recycling indicators. Mechanisms of micro-payments for deposit-return schemes, pay-per-use billing, crowdfunding, eco-cashback, embedded finance and credit scoring based on transaction data were systematised. Formulas for the deposit fund balance and the payment discipline index of small recyclers were developed together with a conceptual model of platform-based financing. The results supported attracting private capital to circular projects. Based on the research results, practical proposals in five directions were developed.

Keywords

circular economy, digital payment platform, deposit-return scheme, embedded finance, crowdfunding, credit scoring, green finance, micro-payment

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