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Theoretical and practical significance of research results. The theoretical significance of the research work is that the scientific conclusions and practical recommendations obtained on the basis of scientific research are devoted to the effective use of electronic payment systems in the development of electronic commerce in our country and a deeper study of the mechanism of the development of electronic payment systems, and are a source for future scientific research and higher education. can be used as a practical guide in educational institutions.
The practical significance of the research results is determined by the possibilities of using the scientific conclusions and scientific proposals developed in the research work to make scientific and practical recommendations aimed at effective organization of e-commerce activities in Uzbekistan. The specific conditions of developed and developing countries were also taken into account for the master's dissertation, and in this regard, proposals were developed in accordance with local conditions, the shortcomings of the previous proposals were eliminated, and the basis for accelerating and optimizing the development of e- commerce was created.
In addition, this master's dissertation was considered a guide for those interested in the field and can be used for further research.
Scientific novelty of the dissertation work. Scientific works and analyzes were carried out on the
basis of the latest statistical data to highlight the features of electronic commerce in the field of payment services.

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Thus, based on the research conducted in the master's dissertation, the following scientific and practical innovation was presented:

1. A new definition of electronic commerce was developed; 2.

Factors affecting the development of e-commerce were studied and among them
In Uzbekistan, scientifically based conclusions about the sphere of influence were developed;

3. 
   Impact of e-commerce development in Kazakhstan and Kyrgyzstan from Central Asian countries researched and developed proposals and recommendations for the development of the sector in Uzbekistan;
   
4. 
   The experience of China and the USA, which developed in opposite ways but one after the other
   

comparative analysis was done;

3. 
   Based on current trends and conditions, electronic in Uzbekistan
   

Proposals were developed for the development of commerce and the improvement of the efficiency of its activities.