Zamonaviy ta‟lim tizimini rivojlantirish va unga qaratilgan kreativ g„oyalar, takliflar va yechimlar

“ZAMONAVIY TA‟LIM TIZIMINI RIVOJLANTIRISH VA UNGA QARATILGAN KREATIV G„OYALAR, 
TAKLIFLAR VA YECHIMLAR” MAVZUSIDAGI 37-SONLI RESPUBLIKA ILMIY-AMALIY ON-LINE 
KONFERENSIYASI 
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осуществили переход, обладают рядом преимуществ перед своими конкурентами. 
Инвесторы или акционеры данных предприятий получают расширенную финансовую 
информацию, что в свою очередь позволяет им принять решение о том, чтобы 
вкладывать свои денежные средства, и это значит увеличение притока инвестиций в 
Узбекистан. 
 

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“ZAMONAVIY TA‟LIM TIZIMINI RIVOJLANTIRISH VA UNGA QARATILGAN KREATIV G„OYALAR, 
TAKLIFLAR VA YECHIMLAR” MAVZUSIDAGI 37-SONLI RESPUBLIKA ILMIY-AMALIY ON-LINE 
KONFERENSIYASI 
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368 
ADVANTAGES AND DISADVANTAGES OF PLASTIC CARDS IN THE 
IMPLEMENTATION OF REMOTE BANKING SERVICES 
 
Qudratova Feruza Nasriddinovna 
Student of Tashkent Institute of Finance 
 
Today, plastic card payment systems are widely used all over the world. They are 
accepted as a means of payment in supermarkets, shops, service enterprises, mobile phone 
companies, airline and railway ticket offices, petrol stations and other places. With the help 
of cards you can pay at any point of sale equipped with electronic terminals that accept 
payments on plastic cards. 
Advantages of plastic cards: 

speed and accuracy of calculations; 

security; 

fundraising. 
With the help of plastic cards, bank customers can perform the following operations: 
Load all or part of the money on the card; Transfer of funds from a closed balance to an 
open balance (no password is required to spend funds in the open balance); Change the card 
password, including using the terminal; Obtain information on cash flows, including 
through the terminal; Obtain information about the card balance, including through the 
terminal; Withdraw cash. 
Another added advantage of plastic cards over cash is that they can't be lost. Ease of 
use, simplicity, and reliability of plastic cards have been praised all over the world. Bank 
cards are a modern, convenient and secure e-wallet that guarantees the safety of your 
money. 
One type of remote banking service is ATMs and terminals. It is no exaggeration to 
say that the ATM, which is easy to use, today serves as a kind of mini-bank-office, ending 
the traditional interaction between the customer and the cashier. Nowadays, ATMs can not 
only withdraw cash but also make various payments for goods and services. It should be 
noted that for the convenience of customers, ATMs are connected to a single network, and 
customers can use ATMs of other banks from their own banks. 
At present, special attention is paid to expanding the range of banking and financial 
services using modern information and communication technologies. 
Equipping all sales and service outlets with payment terminals, the organization of 
services to ensure their uninterrupted operation, the introduction of unlimited payment for 
all types of goods and services through plastic cards which ensures the attractiveness of this 
means of payment. 

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