Assessing access to financial services in Kashkadarya region and ways to reduce regional disparities

Abstract

This article examines how access to financial services can be assessed across the districts and cities of Kashkadarya Region and how disparities between them can be reduced. The assessment focuses on the availability of banking service points, per capita loan and deposit volumes, and the use of digital payments. Comparing districts and cities across these indicators provides a basis for identifying areas with limited access to financial services. The article proposes measures to reduce these disparities by expanding banking service coverage, developing digital payment infrastructure, and improving financial literacy.