{"id":"https://openalex.org/W7225660255","doi":"https://doi.org/10.5281/zenodo.24080174","title":"CONSUMER PROTECTION IN THE USE OF DIGITAL FINANCIAL SERVICES IN UZBEKISTAN","display_name":"CONSUMER PROTECTION IN THE USE OF DIGITAL FINANCIAL SERVICES IN UZBEKISTAN","publication_year":2026,"publication_date":"2026-11-09","ids":{"openalex":"https://openalex.org/W7225660255","doi":"https://doi.org/10.5281/zenodo.24080174"},"language":"en","primary_location":{"id":"doi:10.5281/zenodo.24080174","doi":"https://doi.org/10.5281/zenodo.24080174","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.24080174","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["datacite"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.5281/zenodo.24080174","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5039822050","display_name":"Temurbek Pulatov","orcid":"https://orcid.org/0009-0006-0469-1322","observed_orcids":["https://orcid.org/0009-0006-0469-1322"]},"institutions":[{"id":"https://openalex.org/I4210109177","display_name":"Tashkent State University of Law","ror":"https://ror.org/01x2s7885","country_code":"UZ","type":"education","lineage":["https://openalex.org/I4210109177"]}],"countries":["UZ"],"is_corresponding":true,"raw_author_name":"Pulatov Temurbek","raw_affiliation_strings":["Lecturer of law at Tashkent state university of law"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Lecturer of law at Tashkent state university of law","institution_ids":["https://openalex.org/I4210109177"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5039822050"],"corresponding_institution_ids":["https://openalex.org/I4210109177"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13475","display_name":"Digital Transformation in Law","score":0.7490000128746033,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13475","display_name":"Digital Transformation in Law","score":0.7490000128746033,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13364","display_name":"Digitalization, Law, and Regulation","score":0.07150000333786011,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.07039999961853027,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/consumer-protection","display_name":"consumer protection","score":0.9929999709129333},{"id":"https://openalex.org/keywords/digital-financial-services","display_name":"digital financial services","score":1.0},{"id":"https://openalex.org/keywords/mobile-banking","display_name":"mobile banking","score":0.9639999866485596},{"id":"https://openalex.org/keywords/electronic-payments","display_name":"digital payments","score":0.9980000257492065},{"id":"https://openalex.org/keywords/uzbekistan","display_name":"Uzbekistan","score":0.6549999713897705},{"id":"https://openalex.org/keywords/consumer-consent","display_name":"consumer consent","score":0.7020000219345093},{"id":"https://openalex.org/keywords/financial-regulation","display_name":"financial regulation","score":0.460999995470047}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.7814000248908997},{"id":"https://openalex.org/C2989499966","wikidata":"https://www.wikidata.org/wiki/Q664183","display_name":"Consumer protection","level":2,"score":0.6707000136375427},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.6639999747276306},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.6547999978065491},{"id":"https://openalex.org/C122941539","wikidata":"https://www.wikidata.org/wiki/Q10836209","display_name":"Electronic money","level":3,"score":0.5942999720573425},{"id":"https://openalex.org/C185822510","wikidata":"https://www.wikidata.org/wiki/Q1956140","display_name":"Payment service provider","level":3,"score":0.5580999851226807},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.5375999808311462},{"id":"https://openalex.org/C2778718127","wikidata":"https://www.wikidata.org/wiki/Q9264","display_name":"Uzbek","level":2,"score":0.5292999744415283},{"id":"https://openalex.org/C54750564","wikidata":"https://www.wikidata.org/wiki/Q26643","display_name":"Commerce","level":1,"score":0.446399986743927},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.4219000041484833},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4205999970436096},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.367900013923645},{"id":"https://openalex.org/C178005623","wikidata":"https://www.wikidata.org/wiki/Q308859","display_name":"Anonymity","level":2,"score":0.3578000068664551},{"id":"https://openalex.org/C61797465","wikidata":"https://www.wikidata.org/wiki/Q1188986","display_name":"Term (time)","level":2,"score":0.33799999952316284},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.31940001249313354},{"id":"https://openalex.org/C69360830","wikidata":"https://www.wikidata.org/wiki/Q1172237","display_name":"Data Protection Act 1998","level":2,"score":0.3089999854564667},{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.3052000105381012},{"id":"https://openalex.org/C108827166","wikidata":"https://www.wikidata.org/wiki/Q175975","display_name":"Internet privacy","level":1,"score":0.2906000018119812},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.2874000072479248},{"id":"https://openalex.org/C118463975","wikidata":"https://www.wikidata.org/wiki/Q220849","display_name":"Digital signature","level":3,"score":0.2865000069141388},{"id":"https://openalex.org/C186967261","wikidata":"https://www.wikidata.org/wiki/Q5082128","display_name":"Mobile device","level":2,"score":0.2768999934196472},{"id":"https://openalex.org/C187452473","wikidata":"https://www.wikidata.org/wiki/Q2897903","display_name":"Goods and services","level":2,"score":0.27219998836517334},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.26899999380111694},{"id":"https://openalex.org/C2992337254","wikidata":"https://www.wikidata.org/wiki/Q31275820","display_name":"Financial stability","level":2,"score":0.263700008392334},{"id":"https://openalex.org/C71052197","wikidata":"https://www.wikidata.org/wiki/Q2914495","display_name":"Electronic funds transfer","level":3,"score":0.2630999982357025},{"id":"https://openalex.org/C78597825","wikidata":"https://www.wikidata.org/wiki/Q484847","display_name":"E-commerce","level":2,"score":0.2581999897956848},{"id":"https://openalex.org/C2778430866","wikidata":"https://www.wikidata.org/wiki/Q3061848","display_name":"Unbanked","level":4,"score":0.2563000023365021}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.5281/zenodo.24080174","doi":"https://doi.org/10.5281/zenodo.24080174","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.24080174","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},{"id":"doi:10.5281/zenodo.24080175","doi":"https://doi.org/10.5281/zenodo.24080175","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.24080175","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"}],"best_oa_location":{"id":"doi:10.5281/zenodo.24080174","doi":"https://doi.org/10.5281/zenodo.24080174","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.24080174","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/16","display_name":"Peace, justice, and strong institutions","score":0.7297000288963318}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7220589386","https://openalex.org/W7216840292","https://openalex.org/W7165128426","https://openalex.org/W7165807168","https://openalex.org/W7204275540","https://openalex.org/W7216836652","https://openalex.org/W7220300272","https://openalex.org/W7161564142","https://openalex.org/W4251306235","https://openalex.org/W6944116018"],"abstract_inverted_index":{"Digital":[0],"financial":[1,40,49],"services,":[2],"including":[3],"mobile":[4],"banking,":[5],"electronic":[6],"payments":[7],"and":[8,33],"online":[9],"credit,":[10],"allow":[11],"consumers":[12,28],"to":[13,67],"manage":[14],"money":[15],"without":[16],"visiting":[17],"a":[18,45],"bank":[19],"or":[20,52],"payment":[21],"provider.":[22],"This":[23],"convenience":[24],"also":[25],"changes":[26],"how":[27],"receive":[29],"information,":[30],"give":[31],"consent":[32],"challenge":[34],"transactions.":[35],"In":[36],"this":[37],"thesis,":[38],"\"digital":[39],"services\"":[41],"is":[42],"used":[43],"as":[44],"practical":[46],"term":[47],"for":[48],"services":[50,69],"accessed":[51],"delivered":[53],"through":[54],"digital":[55],"channels;":[56],"the":[57,62],"legal":[58],"analysis":[59],"focuses":[60],"on":[61],"consumer":[63],"protections":[64],"that":[65],"apply":[66],"those":[68],"under":[70],"Uzbek":[71],"law.":[72]},"counts_by_year":[],"updated_date":"2026-11-11T12:16:26.678958","created_date":"2026-11-10T00:00:00"}