The Importance of Improving Financial Literacy in Reducing the Shadow Economy and Enhancing Property Tax Payment Mechanisms

Why has the shadow economy declined significantly in some countries while remaining a persistent challenge in others? The answer goes beyond tax enforcement alone. This analytical paper explores the role of financial literacy, digital payments, and financial culture in reducing the shadow economy through a scientific approach. Drawing on international experience, Uzbekistan's statistical data, and practical recommendations, the study highlights the key factors that contribute to greater economic transparency.