Financial Recordkeeping as a Condition of the Relationship between Digital Payment Use and Hotel Credit Access
DOI:
https://doi.org/10.57033/mijournals-2026-3-0337Keywords:
digital payments, hotel finance, recordkeeping, credit access, financial management, Uzbekistan, lending technologiesAbstract
This conceptual conference paper proposes that financial recordkeeping may condition the relationship between digital payment use and hotel credit access. Its focus is the conversion of traceable receipts into interpretable evidence about business activity and repayment capacity. It distinguishes payment adoption, record quality and lenders’ actual use of information, and outlines an application-level study in Uzbekistan. The proposed contribution is a testable moderation framework supported by a practical measurement strategy. No hotel survey or lending experiment has yet been conducted, and no empirical effects are claimed.Downloads
References
1. Berg, T., Burg, V., Gombović, A., & Puri, M. (2020). On the rise of FinTechs: Credit scoring using digital footprints. Review of Financial Studies, 33(7), 2845-2897. https://doi.org/10.1093/rfs/hhz099 3rd International Conference on Social Sciences and Humanities Research DOI: https://doi.org/10.1093/rfs/hhz099
2. Berger, A. N., & Udell, G. F. (2006). A more complete conceptual framework for SME finance. Journal of Banking & Finance, 30(11), 2945-2966. https://doi.org/10.1016/j.jbankfin.2006.05.008 DOI: https://doi.org/10.1016/j.jbankfin.2006.05.008
3. Bobojanov, S., & Ilyosov, I. (2026). The determinants of access to credit for small and medium enterprises (SMEs): Evidence from Uzbekistan (MPRA Paper No. 127588). https://mpra.ub.uni- muenchen.de/127588/
4. Ghosh, P., Vallée, B., & Zeng, Y. (2026). FinTech lending and cashless payments. The Journal of Finance, 81(2), 1053-1101. https://doi.org/10.1111/jofi.70003 DOI: https://doi.org/10.1111/jofi.70003
5. Tourism Committee of the Republic of Uzbekistan. (2025b, December 6). Sustainable growth in the tourism sector. https://gov.uz/en/uzbektourism/news/view/108609
6. World Bank Group. (2025). Uzbekistan World Bank Enterprise Survey 2024 [Data and documentation]. Microdata Library. https://microdata.worldbank.org/index.php/catalog/6711/study-description
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Gulshan Bozorova (##default.groups.name.author##)
This work is licensed under a Creative Commons Attribution 4.0 International License.
Open Access License and Copyright Terms
All articles published in The Journal of Interdisciplinary Human Studies are licensed under the Creative Commons Attribution 4.0 International License (CC BY 4.0).
This license permits unrestricted use, distribution, reproduction, and adaptation of the work in any medium or format, provided that the original author(s) and the source are properly credited.
Authors retain full copyright to their published work and grant the journal the right of first publication.
✅ Official license URL:
https://creativecommons.org/licenses/by/4.0/
