{"id":2107,"date":"2026-08-25T22:15:50","date_gmt":"2026-08-25T17:15:50","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=2107"},"modified":"2026-08-25T22:15:50","modified_gmt":"2026-08-25T17:15:50","slug":"raqamli-tolov-infratuzilmasida-moliyaviy-xatarlarni-boshqarish-va-axborot-xavfsizligini-taminlash-mexanizmlari","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=2107","title":{"rendered":"RAQAMLI TO\u2018LOV INFRATUZILMASIDA MOLIYAVIY XATARLARNI BOSHQARISH VA AXBOROT XAVFSIZLIGINI TA\u2019MINLASH MEXANIZMLARI"},"content":{"rendered":"\n<p><strong>Vaxabov Bobur Alisherovich<\/strong><\/p>\n\n\n\n<p><em>mustaqil tadqiqotchi<\/em><\/p>\n\n\n\n<p><em>Toshkent Kimyo xalqaro universiteti<\/em><\/p>\n\n\n\n<p><em>E-mail: boburvaxabov@gmail.com<\/em><\/p>\n\n\n\n<p><strong><em>Annotatsiya. <\/em><\/strong><em>Raqamli to\u2018lov infratuzilmasining tez kengayishi to\u2018lovlarni tez, arzon va qulay amalga oshirish imkoniyatlarini oshirayotgan bo\u2018lsa-da, ayni vaqtda moliyaviy xatarlarning texnologik va institutsional tabiatini murakkablashtirmoqda. Mazkur maqolada raqamli to\u2018lov ekotizimida kredit, likvidlik, operatsion, firibgarlik, kiberxavfsizlik, ma\u2019lumotlar yaxlitligi va uchinchi tomon texnologik qaramligi bilan bog\u2018liq xatarlarni kompleks boshqarish mexanizmlari tadqiq etiladi. Tadqiqotning metodik asosini institutsional tahlil, risk-matritsa, indikatorli baholash, qiyosiy tahlil va ssenariy modellashtirish tashkil etadi. O\u2018zbekiston Respublikasi Markaziy bankining 2024\u20132025-yillardagi rasmiy hisobotlari hamda to\u2018lov infratuzilmasi bo\u2018yicha ma\u2019lumotlari xalqaro prinsiplar bilan taqqoslanib, amaldagi nazorat arxitekturasining kuchli va zaif jihatlari aniqlanadi. 2025-yilda to\u2018lov infratuzilmasi hajmining sezilarli kengayishi bilan bir qatorda Markaziy bank kiberxavfsizlik va anti-frod yo\u2018nalishlarida yangi nazorat vositalari, xavfsiz ulanishlar va kiberxavfsizlik reyting tizimini joriy qilgan. Tadqiqot natijasida \u201caniqlash\u2013baholash\u2013oldini olish\u2013aniqlash\u2013javob\u2013tiklash\u2013qayta baholash\u201d sikliga asoslangan integratsiyalashgan model taklif etildi. Modelda riskka proporsional nazorat, real vaqt monitoringi, xavfsiz API, mustaqil testlar, incident reporting, biznes uzluksizligi va iste\u2019molchi zararini tezkor qoplash mexanizmlari bir butun boshqaruv konturiga birlashtiriladi.<\/em><strong><em><\/em><\/strong><\/p>\n\n\n\n<p><strong><em>Kalit so\u02bbzlar:<\/em><\/strong><em> <\/em><em>raqamli to\u2018lovlar, moliyaviy xatar, kiberxavfsizlik, axborot xavfsizligi, firibgarlik, operatsion barqarorlik, risk-menejment, to\u2018lov infratuzilmasi, anti-frod, moliyaviy texnologiyalar.<\/em><\/p>\n\n\n\n<p><strong>\u041c\u0415\u0425\u0410\u041d\u0418\u0417\u041c\u042b \u0423\u041f\u0420\u0410\u0412\u041b\u0415\u041d\u0418\u042f \u0424\u0418\u041d\u0410\u041d\u0421\u041e\u0412\u042b\u041c\u0418 \u0420\u0418\u0421\u041a\u0410\u041c\u0418 \u0418 \u041e\u0411\u0415\u0421\u041f\u0415\u0427\u0415\u041d\u0418\u042f \u0418\u041d\u0424\u041e\u0420\u041c\u0410\u0426\u0418\u041e\u041d\u041d\u041e\u0419 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href=\"mailto:boburvaxabov@gmail.com\"><em>boburvaxabov@gmail.com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><strong><em>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f. <\/em><\/strong><em>\u0411\u044b\u0441\u0442\u0440\u043e\u0435 \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u0435 \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0439 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u044b \u043f\u043e\u0432\u044b\u0448\u0430\u0435\u0442 \u0441\u043a\u043e\u0440\u043e\u0441\u0442\u044c, \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u043e\u0441\u0442\u044c \u0438 \u0443\u0434\u043e\u0431\u0441\u0442\u0432\u043e \u0440\u0430\u0441\u0447\u0435\u0442\u043e\u0432, \u043d\u043e \u043e\u0434\u043d\u043e\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u043e \u0443\u0441\u043b\u043e\u0436\u043d\u044f\u0435\u0442 \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0443 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\u043d\u0430\u0440\u0443\u0448\u0435\u043d\u0438\u044f \u0446\u0435\u043b\u043e\u0441\u0442\u043d\u043e\u0441\u0442\u0438 \u0434\u0430\u043d\u043d\u044b\u0445 \u0438 \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u044c\u044e \u043e\u0442 \u0442\u0440\u0435\u0442\u044c\u0438\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043f\u0440\u043e\u0432\u0430\u0439\u0434\u0435\u0440\u043e\u0432. \u041c\u0435\u0442\u043e\u0434\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u043e\u0441\u043d\u043e\u0432\u0430 \u0432\u043a\u043b\u044e\u0447\u0430\u0435\u0442 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0439 \u0430\u043d\u0430\u043b\u0438\u0437, \u043c\u0430\u0442\u0440\u0438\u0446\u0443 \u0440\u0438\u0441\u043a\u043e\u0432, \u0438\u043d\u0434\u0438\u043a\u0430\u0442\u043e\u0440\u043d\u0443\u044e \u043e\u0446\u0435\u043d\u043a\u0443, \u0441\u0440\u0430\u0432\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u0438 \u0441\u0446\u0435\u043d\u0430\u0440\u043d\u043e\u0435 \u043c\u043e\u0434\u0435\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435. \u041d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u043e\u0444\u0438\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0445 \u043c\u0430\u0442\u0435\u0440\u0438\u0430\u043b\u043e\u0432 \u0426\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430 \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d \u0437\u0430 2024\u20132025 \u0433\u043e\u0434\u044b \u043f\u0440\u043e\u0432\u0435\u0434\u0435\u043d\u043e \u0441\u043e\u043f\u043e\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u043d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0439 \u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0438 \u0441 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u043c\u0438 \u043f\u0440\u0438\u043d\u0446\u0438\u043f\u0430\u043c\u0438 \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u0438 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u0441\u0438\u0441\u0442\u0435\u043c \u0438 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u043e\u0439 \u0443\u0441\u0442\u043e\u0439\u0447\u0438\u0432\u043e\u0441\u0442\u0438. \u0412 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u0435 \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0430 \u0438\u043d\u0442\u0435\u0433\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u043c\u043e\u0434\u0435\u043b\u044c, \u043f\u043e\u0441\u0442\u0440\u043e\u0435\u043d\u043d\u0430\u044f \u043f\u043e \u0446\u0438\u043a\u043b\u0443 \u00ab\u0438\u0434\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f\u2013\u043e\u0446\u0435\u043d\u043a\u0430\u2013\u043f\u0440\u0435\u0434\u043e\u0442\u0432\u0440\u0430\u0449\u0435\u043d\u0438\u0435\u2013\u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0435\u043d\u0438\u0435\u2013\u0440\u0435\u0430\u0433\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435\u2013\u0432\u043e\u0441\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u0435\u2013\u043f\u0435\u0440\u0435\u043e\u0446\u0435\u043d\u043a\u0430\u00bb. \u041e\u043d\u0430 \u043e\u0431\u044a\u0435\u0434\u0438\u043d\u044f\u0435\u0442 \u0440\u0438\u0441\u043a-\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u043d\u0430\u0434\u0437\u043e\u0440, \u043c\u043e\u043d\u0438\u0442\u043e\u0440\u0438\u043d\u0433 \u0432\u0431\u043b\u0438\u0437\u0438 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438, \u0437\u0430\u0449\u0438\u0449\u0435\u043d\u043d\u044b\u0435 API, \u043d\u0435\u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0435 \u0442\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435, \u043e\u0442\u0447\u0435\u0442\u043d\u043e\u0441\u0442\u044c \u043f\u043e \u0438\u043d\u0446\u0438\u0434\u0435\u043d\u0442\u0430\u043c, \u043d\u0435\u043f\u0440\u0435\u0440\u044b\u0432\u043d\u043e\u0441\u0442\u044c \u0431\u0438\u0437\u043d\u0435\u0441\u0430 \u0438 \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c\u044b \u043e\u043f\u0435\u0440\u0430\u0442\u0438\u0432\u043d\u043e\u0433\u043e \u0432\u043e\u0437\u043c\u0435\u0449\u0435\u043d\u0438\u044f \u043f\u043e\u0442\u0435\u0440\u044c \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432.<\/em><strong><em><\/em><\/strong><\/p>\n\n\n\n<p><strong><em>\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0441\u043b\u043e\u0432\u0430:<\/em><\/strong><em> <\/em><em>\u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438, \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0440\u0438\u0441\u043a, \u043a\u0438\u0431\u0435\u0440\u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u044c, \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u043e\u043d\u043d\u0430\u044f \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u044c, \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u043e, \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u0430\u044f \u0443\u0441\u0442\u043e\u0439\u0447\u0438\u0432\u043e\u0441\u0442\u044c, \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u0440\u0438\u0441\u043a\u0430\u043c\u0438, \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u0430\u044f \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430, \u0430\u043d\u0442\u0438\u0444\u0440\u043e\u0434, \u0444\u0438\u043d\u0442\u0435\u0445.<\/em><em><\/em><\/p>\n\n\n\n<p><strong>MECHANISMS FOR MANAGEMENT OF FINANCIAL RISKS AND ENSURING INFORMATION SECURITY IN DIGITAL PAYMENT INFRASTRUCTURE<\/strong><\/p>\n\n\n\n<p><strong>Vakhabov Bobur Alisherovich<\/strong><\/p>\n\n\n\n<p><em>Independent Researcher<\/em><\/p>\n\n\n\n<p><em>Tashkent International University of Chemistry<\/em><\/p>\n\n\n\n<p><em>E-mail: <\/em><a href=\"mailto:boburvaxabov@gmail.com\"><em>boburvaxabov@gmail.com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><strong><em>Abstract. <\/em><\/strong><em>The rapid expansion of digital payment infrastructure improves the speed, affordability and accessibility of transactions, while simultaneously increasing the complexity of financial and technology-related risks. This article examines an integrated risk-management framework for credit, liquidity, operational, fraud, cybersecurity, data-integrity and third-party technology risks in the digital payment ecosystem. The methodology combines institutional analysis, risk matrices, indicator-based assessment, comparative analysis and scenario modelling. Official data and reports of the Central Bank of Uzbekistan for 2024\u20132025 are assessed against international principles of payment-system security and operational resilience. The study finds that the national ecosystem has strengthened its cybersecurity and anti-fraud capacity through enhanced controls, secure interconnections and cyber-risk assessment tools, but the growing scale of digital transactions requires a more integrated risk architecture. A seven-stage model \u2014 identify, assess, prevent, detect, respond, recover and reassess \u2014 is proposed. The model integrates proportional supervision, near-real-time monitoring, secure APIs, independent testing, incident reporting, business continuity and rapid consumer-loss remediation into a single governance cycle.<\/em><strong><em><\/em><\/strong><\/p>\n\n\n\n<p><strong><em>Keywords:<\/em><\/strong><em> <\/em><em>digital payments, financial risk, cybersecurity, information security, fraud, operational resilience, risk management, payment infrastructure, anti-fraud, financial technology.<\/em><\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/25-Vaxabov-Bobur-Alisherovich.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 25 - Vaxabov Bobur Alisherovich.\"><\/object><a id=\"wp-block-file--media-0e8064a2-51fb-4292-9b9d-91204eea7d58\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/25-Vaxabov-Bobur-Alisherovich.pdf\">25 &#8211; Vaxabov Bobur Alisherovich<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/08\/25-Vaxabov-Bobur-Alisherovich.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-0e8064a2-51fb-4292-9b9d-91204eea7d58\">Download<\/a><\/div>\n\n\n\n<p><a href=\"https:\/\/doi.org\/10.5281\/zenodo.22086538\">https:\/\/doi.org\/10.5281\/zenodo.22086538<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/zenodo.org\/records\/22086538\">https:\/\/zenodo.org\/records\/22086538<\/a><\/p>\n\n\n\n<p><strong>Foydalanilgan adabiyotlar<\/strong><\/p>\n\n\n\n<p>1. O\u2018zbekiston Respublikasi Markaziy banki. Information about issued banking cards, POS-terminals, ATM\u2019s and Self-Service Kiosks as of 1 January 2026, transactions through POS-terminals in January\u2013December 2025. Toshkent, 2026.<\/p>\n\n\n\n<p>2. Central Bank of the Republic of Uzbekistan. Annual Report 2025. Tashkent, 2026.<\/p>\n\n\n\n<p>3. Central Bank of the Republic of Uzbekistan. Financial Stability Report for 2024. Tashkent, 2025.<\/p>\n\n\n\n<p>4. Central Bank of the Republic of Uzbekistan. Financial Stability Report for H1 2025. Tashkent, 2025.<\/p>\n\n\n\n<p>5. CPMI-IOSCO. Principles for Financial Market Infrastructures. Bank for International Settlements and International Organization of Securities Commissions, 2012.<\/p>\n\n\n\n<p>6. Basel Committee on Banking Supervision. Principles for operational resilience. Bank for International Settlements, 2021.<\/p>\n\n\n\n<p>7. National Institute of Standards and Technology. Cybersecurity Framework (CSF) 2.0. Gaithersburg, MD, 2024.<\/p>\n\n\n\n<p>8. ISO\/IEC 27001:2022. Information security, cybersecurity and privacy protection \u2014 Information security management systems \u2014 Requirements. International Organization for Standardization, 2022.<\/p>\n\n\n\n<p>9. O\u2018zbekiston Respublikasi qonunchilik to\u2018plami. To\u2018lov tizimlari operatorlari va to\u2018lov xizmatlarini yetkazib beruvchilarning axborot xavfsizligi va kiberxavfsizligini ta\u2019minlashga oid normativ talablar, 2024.<\/p>\n\n\n\n<p>10. O\u2018zbekiston Respublikasi. \u201cShaxsga doir ma\u2019lumotlar to\u2018g\u2018risida\u201dgi O\u2018RQ-547-son Qonun va 2026-yil 26-martdagi O\u2018RQ-1125-son o\u2018zgartirishlar.<\/p>\n\n\n\n<p>11. O\u2018zbekiston Respublikasi Prezidenti. Uyushgan jinoyatchilik va kiberjinoyatlarga qarshi kurashish takomillashtiriladi. 12.03.2026.<\/p>\n\n\n\n<p>12. O\u2018zbekiston Respublikasi. \u201cKiberxavfsizlik to\u2018g\u2018risida\u201dgi O\u2018RQ-764-son Qonun, 15.04.2022.<\/p>\n\n\n\n<p>13. European Union Agency for Cybersecurity (ENISA). Threat Landscape for Financial Sector and related cybersecurity guidance. ENISA publications.<\/p>\n\n\n\n<p>14. BIS. Operational resilience and technology risk management: selected supervisory principles and practices. Bank for International Settlements, Basel.<\/p>\n\n\n\n<p>15. World Bank. The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. Washington, DC, 2022.<\/p>\n\n\n\n<p>16. Arner, D.W., Barberis, J., Buckley, R.P. The evolution of FinTech: A new post-crisis paradigm? Georgetown Journal of International Law, 47, 2016.<\/p>\n\n\n\n<p>17. Gomber, P., Koch, J.-A., Siering, M. Digital Finance and FinTech: current research and future research directions. Journal of Business Economics, 87, 2017.<\/p>\n\n\n\n<p>18. Ozili, P.K. Impact of digital finance on financial inclusion and stability: A review of empirical evidence. Digital Finance and Financial Stability literature.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vaxabov Bobur Alisherovich mustaqil tadqiqotchi Toshkent Kimyo xalqaro universiteti E-mail: boburvaxabov@gmail.com Annotatsiya. Raqamli to\u2018lov infratuzilmasining tez kengayishi to\u2018lovlarni tez, arzon va qulay&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36,1],"tags":[],"class_list":["post-2107","post","type-post","status-publish","format-standard","hentry","category-2026-yil-4-son","category-bolimsiz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RAQAMLI TO\u2018LOV INFRATUZILMASIDA MOLIYAVIY XATARLARNI BOSHQARISH VA AXBOROT XAVFSIZLIGINI TA\u2019MINLASH MEXANIZMLARI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fintech.tsue.uz\/?p=2107\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RAQAMLI TO\u2018LOV INFRATUZILMASIDA MOLIYAVIY XATARLARNI BOSHQARISH VA AXBOROT XAVFSIZLIGINI TA\u2019MINLASH MEXANIZMLARI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"og:description\" content=\"Vaxabov Bobur Alisherovich mustaqil tadqiqotchi Toshkent Kimyo xalqaro universiteti E-mail: boburvaxabov@gmail.com Annotatsiya. 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