Vol. 8 No. 3 (2026), Articles
Vol. 8 No. 3 (2026)

A COMPARATIVE ANALYSIS OF TRADITIONAL AND DIGITAL PAYMENT SCHEMES: FROM CASH TO CRYPTOCURRENCY

Articles
Published 2026-06-27
Doniyorbek Zarrukhovich Davronov
student of the faculty Economics Samarkand institute of economics and service
Mohira Tagayevna Ziyadullayeva
Assistant, department of Foreign languages faculty of Banking and financial services Samarkand institute of economics and service
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Keywords

payment schemes
digital payments
traditional payments
cash settlements
cryptocurrency
digital wallets
biometric authentication
payment fragmentation
e-commerce
comparative analysis.

How to Cite

A COMPARATIVE ANALYSIS OF TRADITIONAL AND DIGITAL PAYMENT SCHEMES: FROM CASH TO CRYPTOCURRENCY. (2026). Qo‘qon DPI. Ilmiy Xabarlar Jurnali, 8(3), 489-497. https://doi.org/10.70728/c.series.v08.i03.080
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Abstract

In this article, we conduct a comparative analysis of traditional and digital payment schemes, evolving from cash to modern cryptocurrency systems. The article examines three classic payment models (cash, check, and card) in comparison with modern digital solutions, including digital wallets, biometric authentication, and cryptocurrencies. Particular attention is paid to the three-layer architecture of payment schemes according to the W3C classification (policy, data flow, mechanism), as well as the problem of fragmentation of the payment infrastructure.
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References

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