{"id":12237,"date":"2026-07-09T07:41:01","date_gmt":"2026-07-09T02:41:01","guid":{"rendered":"https:\/\/pivot.uz\/?p=12237"},"modified":"2026-07-09T07:45:12","modified_gmt":"2026-07-09T02:45:12","slug":"apple-pay-va-google-pay-ozbekiston-bozoriga-kirishi-kutilmoqda","status":"publish","type":"post","link":"https:\/\/pivot.uz\/uz\/apple-pay-va-google-pay-ozbekiston-bozoriga-kirishi-kutilmoqda\/","title":{"rendered":"Apple Pay va Google Pay O\u2018zbekiston bozoriga kirishi kutilmoqda"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">O\u2018zbekistonda Apple Pay va Google Pay xizmatlarini ishga tushirish bo\u2018yicha jarayon yangi bosqichga o\u2018tdi. Markaziy bank ma&#8217;lum qilishicha, ayni paytda xalqaro to\u2018lov platformalarini mahalliy to\u2018lov infratuzilmasiga integratsiya qilish ishlari davom etmoqda. Shuningdek, 2026-yil sentabr oyida Apple va Google vakillari bilan xizmatlarni ishga tushirish masalasi yuzasidan muzokaralar o\u2018tkazilishi rejalashtirilgan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apple Pay va Google Pay dunyodagi eng yirik mobil to\u2018lov ekotizimlari hisoblanadi. Ular foydalanuvchilarga bank kartalarini smartfon yoki smart watchga ulash va NFC texnologiyasi orqali foizsiz to\u2018lovlarni amalga oshirish imkonini beradi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O\u2018zbekistonda NFC&#8217;ni qo\u2018llab-quvvatlaydigan POS-terminallar bir necha yildan buyon faoliyat yuritmoqda. Biroq mahalliy bank kartalarini Apple Pay va Google Pay xizmatlariga ulash imkoniyati mavjud emas edi. Natijada foydalanuvchilar ushbu xizmatlardan faqat xorijiy bank kartalari orqali foydalanishi mumkin bo\u2018lgan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Xizmatlarning ishga tushirilmasligiga texnik emas, balki huquqiy omillar sabab bo\u2018lgan. Avval amalda bo\u2018lgan qonunchilikka ko\u2018ra, O\u2018zbekiston fuqarolarining shaxsiy ma&#8217;lumotlari mamlakat hududida joylashgan serverlarda saqlanishi talab etilgan. Bu talab Apple va Google&#8217;ning global infratuzilmasi bilan mos kelmagani sababli kompaniyalar mamlakat bozoriga kira olmagan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2026-yilda qonunchilikka kiritilgan o\u2018zgartirishlardan so\u2018ng ushbu yo\u2018nalishda huquqiy cheklovlar yumshatildi. Natijada xalqaro raqamli to\u2018lov xizmatlarini ishga tushirish uchun yangi imkoniyatlar paydo bo\u2018ldi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apple Pay va Google Pay&#8217;ning ishga tushirilishi O\u2018zbekistonda raqamli to\u2018lovlar infratuzilmasini yangi bosqichga olib chiqishi mumkin. Bu foydalanuvchilarga bank kartalarini Apple Wallet yoki Google Wallet ilovasiga ulash, smartfon va smart watchlar orqali tezkor hamda xavfsiz to\u2018lovlarni amalga oshirish imkonini beradi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Shuningdek, xalqaro to\u2018lov platformalarining kirib kelishi mahalliy banklar uchun yangi xizmatlarni joriy etish, fintech ekotizimini rivojlantirish va naqdsiz hisob-kitoblar ulushini oshirishga xizmat qilishi kutilmoqda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apple Pay va Google Pay&#8217;ning ishga tushirilishi bo\u2018yicha yakuniy muddat hozircha e&#8217;lon qilinmagan. Biroq Markaziy bank tomonidan tasdiqlangan texnik tayyorgarlik va rejalashtirilgan muzokaralar ushbu xizmatlarning O\u2018zbekiston bozoriga kirishi endi avvalgi yillarga nisbatan ancha yaqinlashganini ko\u2018rsatmoqda.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O\u2018zbekistonda Apple Pay va Google Pay xizmatlarini ishga tushirish bo\u2018yicha jarayon yangi bosqichga o\u2018tdi. Markaziy bank ma&#8217;lum qilishicha, ayni paytda xalqaro to\u2018lov platformalarini mahalliy to\u2018lov infratuzilmasiga integratsiya qilish ishlari davom etmoqda. Shuningdek, 2026-yil sentabr oyida Apple va Google vakillari bilan xizmatlarni ishga tushirish masalasi yuzasidan muzokaralar o\u2018tkazilishi rejalashtirilgan. Apple Pay va Google Pay dunyodagi eng [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12234,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"jnews_override_bookmark_settings":[],"jnews_paywall_metabox":[],"jnews_override_counter":[],"jnews_podcast_option":[],"jnews_podcast_series":[],"footnotes":""},"categories":[115],"tags":[534,621],"jnews-series":[],"class_list":["post-12237","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-apple","tag-google"],"_links":{"self":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/12237","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/comments?post=12237"}],"version-history":[{"count":1,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/12237\/revisions"}],"predecessor-version":[{"id":12238,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/12237\/revisions\/12238"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media\/12234"}],"wp:attachment":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media?parent=12237"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/categories?post=12237"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/tags?post=12237"},{"taxonomy":"jnews-series","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/jnews-series?post=12237"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}