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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1-picture. Dynamics of the number of plastic cards issued, (thousand)
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Analysis of the data in Figure 1 shows that as of January 1, 2021, the number of plastic 
cards issued in the country amounted to 25,776 million units. In particular, from 2020 to 
2021, the number of users of plastic cards has grown very rapidly. From this, it can be 
concluded that the expansion of the practice of producing plastic cards by banks shows that 
remote banking services are expanding. 
The above figures show that the number of plastic cards issued by commercial banks 
has been growing over the past few years, which has led to an increase in the number of 
transactions made by individuals through bank cards in the national currency. 
The reasons for the low popularity of international plastic cards such as Visa and 
Mastercard in Uzbekistan are: 
The first is the lack of payment infrastructure. The fact is that there are no legal or 
administrative barriers that limit the transfer of monthly salaries to Visa cards. However, 
banks do not offer such products because they cannot be used anywhere. 
The second reason is the lack of a commission for acquiring. It does not work fully in 
international payment systems. In almost all countries, commissions are charged from sales 
outlets. This will cover the interbank commission of payment systems. In Russia, for 
example, there is an average commission of 2-2.5% for the acquiring of payment cards. On 
top of that, both the payment system and the banks make money. Some of these funds will 
be returned to the user in the form of cashback. All these commissions are paid by sales 
outlets. 
In Uzbekistan, it has been decided not to charge commissions for the development of 
cashless payments from sales outlets and cardholders, and the cost of maintaining 
infrastructure will be covered by banks. 
Visa, Mastercard or any other payment system does not work for free, and even if they 
do so worldwide for a 2-3% fee for each transaction, ―our traders will not agree‖. so that 
international payment systems can cover the costs, ―we have to train the sales outlets 
together with the banks to pay a part of these funds‖. 
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www.cbu.en
 – An official website of Central bank of Uzbekistan 

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