{"id":11818,"date":"2025-10-27T12:04:24","date_gmt":"2025-10-27T07:04:24","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/"},"modified":"2025-10-27T12:04:24","modified_gmt":"2025-10-27T07:04:24","slug":"mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/","title":{"rendered":"MB bank sektoridagi raqobatni yetarli emas deb hisoblaydi, fintex va islom banklariga e\u2019tibor qaratadi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Kuchsiz raqobat mahsulotlarning bir xilligi, yuqori narxlar va xizmat ko\u2018rsatish sifatining pastligiga olib keladi. Fintex kompaniyalariga bank xizmatlaridan foydalanishga ruxsat berish an\u2019anaviy banklarga muqobil bo\u2018ladi va ularga bosimni kuchaytiradi. Islom banklari diniy sabablarga ko\u2018ra an\u2019anaviy banklardan qochadigan aholining 68 foizi uchun moliyaga kirish imkoniyatini ochadi.  <\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>Markaziy bank rahbari Timur Ishmetov bank sektorida raqobat yetarli emasligini ta\u2019kidladi;<\/li>\n<li>Barcha banklar, ularning sonidan qat\u2019i nazar, bir xil siyosat yuritadi;<\/li>\n<li>Markaziy bank fintex kompaniyalariga bank xizmatlarini ko\u2018rsatishga ruxsat berishni rejalashtirmoqda;<\/li>\n<li>Islom banklari fuqarolar uchun qo\u2018shimcha imkoniyat bo\u2018ladi;<\/li>\n<li>Banklar soni emas, raqobat sifati ustuvor.<\/li>\n<\/ul>\n<p><strong>Raqobat muammosi<\/strong><\/p>\n<blockquote><p>Hatto mavjud banklar soni bilan ham, ochig\u2018ini aytganda, yetarlicha raqobatni ko\u2018rmayapmiz. Deyarli barcha [banklar] bir xil siyosat yuritadi. Lekin bu sohada o\u2018zgarishlar bo\u2018lishiga umid qilamiz, \u2014 dedi Ishmetov.<\/p><\/blockquote>\n<p><strong>MB yechimi<\/strong><\/p>\n<p><strong>Bank xizmatlarida moliyaviy texnologiyalar<\/strong><\/p>\n<p>Markaziy bank to\u2018lov operatsiyalari (paytech) bilan shug\u2018ullanuvchi fintex kompaniyalariga ba\u2019zi bank xizmatlarini ko\u2018rsatishga ruxsat bermoqchi. Bunga kreditlar, depozitlar yoki boshqa moliyaviy mahsulotlar kirishi mumkin. <\/p>\n<p><strong>Islomiy banklar<\/strong><\/p>\n<p>Ishmetov islom banklarini klassik moliya institutlarining o\u2018rnini bosuvchi emas, balki fuqarolar uchun qo\u2018shimcha imkoniyat deb atadi. Markaziy bank 2030-yilgacha kamida 10 ta islom banki paydo bo\u2018lishini kutmoqda. <\/p>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>O\u2018zbekistonda 35 ga yaqin tijorat banklari faoliyat yuritadi, biroq eng yaxshi 10 ta bank tizim foydasining 72 foizini nazorat qiladi. Bu yuqori konsentratsiya va zaif raqobatni ko\u2018rsatadi. Banklar stavkalar va shartlarda minimal farqlar bilan o\u2018xshash mahsulotlarni taklif qiladi.  <\/p>\n<p><strong>Siyosatning bir xilligi<\/strong> depozitlar va kreditlar bo\u2018yicha stavkalarni sinxron oshirish, xizmat ko\u2018rsatish shartlarining bir xilligi va innovatsiyalarning yo\u2018qligida namoyon bo\u2018ladi. Mijozlar banklar o\u2018rtasidagi sezilarli farqni ko\u2018rmaydilar, bu esa o\u2018tish uchun rag\u2018batni kamaytiradi. <\/p>\n<p><strong>Moliyaviy texnologiyalar raqobat drayveri sifatida:<\/strong> Click, Payme va Uzum Bank kabi kompaniyalar allaqachon to\u2018lovlar va mikrokreditlashda faol. Ularga to\u2018laqonli bank xizmatlaridan (depozitlar, yirik kreditlar) foydalanishga ruxsat berish an\u2019anaviy banklarga muqobil yaratadi va ikkinchisini mahsulotlarni yaxshilashga majbur qiladi. <\/p>\n<p><strong>Islom banklari <\/strong>diniy sabablarga ko\u2018ra an\u2019anaviy banklardan qochadigan aholining 68 foizi uchun moliyaga kirish imkoniyatini ochadi (BMTTD so\u2018rovi). Bu mijozlar bazasini kengaytiradi va yangi raqobat segmentini yaratadi. <\/p>\n<p>MB pozitsiyasi (\u201cson emas, sifat\u201d) to\u2018g\u2018ri: bozor strukturasini o\u2018zgartirmasdan banklar sonini ko\u2018paytirish bilan muammo hal bo\u2018lmaydi. Yangi o\u2018yinchilarning innovatsion modellar (moliyaviy texnologiyalar, islom banklari) bilan kirishi uchun sharoit yaratish muhimroqdir. <\/p>\n<p>Biroq moliyaviy texnologiya kompaniyalarining bank xizmatlaridan foydalanishiga ruxsat berish puxta tartibga solishni talab qiladi: xatarlarni nazorat qilish, omonatchilarni himoya qilish, prudensial me\u2019yorlarga rioya qilish. Aks holda tizimli inqirozlar yuzaga kelishi mumkin. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Markaziy bank rahbari Timur Ishmetovning aytishicha, bank sektorida raqobat yetarli emas \u2014 barcha banklar bir xil siyosat yuritadi. Markaziy bank fintex kompaniyalariga bank xizmatlarini ko\u2018rsatish va islom moliyasini rivojlantirishga ruxsat berishni rejalashtirmoqda. Banklar soni emas, raqobat sifati ustuvor.  <\/p>\n","protected":false},"author":4,"featured_media":6905,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68ff4d3268683.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":6905,"YlB8HH34jIzY":"MB bank sektoridagi raqobatni yetarli emas deb hisoblaydi, fintex va islom banklariga e\u2019tibor qaratadi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[634,850,628,760],"class_list":["post-11818","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-konkurensiya","tag-mb","tag-finansy-uz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>MB bank sektoridagi raqobatni yetarli emas deb hisoblaydi, fintex va islom banklariga e\u2019tibor qaratadi &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"Markaziy bank rahbari Timur Ishmetovning aytishicha, bank sektorida raqobat yetarli emas \u2014 barcha banklar bir xil siyosat yuritadi. Markaziy bank fintex kompaniyalariga bank xizmatlarini ko\u2018rsatish va islom moliyasini rivojlantirishga ruxsat berishni rejalashtirmoqda. Banklar soni emas, raqobat sifati ustuvor.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MB bank sektoridagi raqobatni yetarli emas deb hisoblaydi, fintex va islom banklariga e\u2019tibor qaratadi\" \/>\n<meta property=\"og:description\" content=\"Markaziy bank rahbari Timur Ishmetovning aytishicha, bank sektorida raqobat yetarli emas \u2014 barcha banklar bir xil siyosat yuritadi. Markaziy bank fintex kompaniyalariga bank xizmatlarini ko\u2018rsatish va islom moliyasini rivojlantirishga ruxsat berishni rejalashtirmoqda. Banklar soni emas, raqobat sifati ustuvor.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/\" \/>\n<meta property=\"og:site_name\" content=\"Frank.uz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FrankUzbekistan\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-27T07:04:24+00:00\" \/>\n<meta name=\"author\" content=\"Azamat\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:site\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Azamat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 daqiqa\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/\",\"url\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/\",\"name\":\"MB bank sektoridagi raqobatni yetarli emas deb hisoblaydi, fintex va islom banklariga e\u2019tibor qaratadi &#8212; Frank.uz\",\"isPartOf\":{\"@id\":\"https:\/\/frank.uz\/uz\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/08\/6m6a9305.webp\",\"datePublished\":\"2025-10-27T07:04:24+00:00\",\"author\":{\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67\"},\"description\":\"Markaziy bank rahbari Timur Ishmetovning aytishicha, bank sektorida raqobat yetarli emas \u2014 barcha banklar bir xil siyosat yuritadi. Markaziy bank fintex kompaniyalariga bank xizmatlarini ko\u2018rsatish va islom moliyasini rivojlantirishga ruxsat berishni rejalashtirmoqda. Banklar soni emas, raqobat sifati ustuvor.\",\"breadcrumb\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/#breadcrumb\"},\"inLanguage\":\"uz-UZ\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"uz-UZ\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/#primaryimage\",\"url\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/08\/6m6a9305.webp\",\"contentUrl\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/08\/6m6a9305.webp\",\"width\":2000,\"height\":1333,\"caption\":\"\u0424\u043e\u0442\u043e: \u00ab\u041a\u0443\u0440\u0441\u0438\u0432\u00bb\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/frank.uz\/uz\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"MB bank sektoridagi raqobatni yetarli emas deb hisoblaydi, fintex va islom banklariga e\u2019tibor qaratadi\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/frank.uz\/uz\/#website\",\"url\":\"https:\/\/frank.uz\/uz\/\",\"name\":\"Frank.uz\",\"description\":\"\u0414\u0435\u043d\u044c\u0433\u0438. \u0411\u0438\u0437\u043d\u0435\u0441. \u0412\u043b\u0430\u0441\u0442\u044c.\",\"alternateName\":\"\u0414\u0435\u043b\u043e\u0432\u044b\u0435 \u043d\u043e\u0432\u043e\u0441\u0442\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/frank.uz\/uz\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"uz-UZ\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67\",\"name\":\"Azamat\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"uz-UZ\",\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g\",\"caption\":\"Azamat\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"MB bank sektoridagi raqobatni yetarli emas deb hisoblaydi, fintex va islom banklariga e\u2019tibor qaratadi &#8212; Frank.uz","description":"Markaziy bank rahbari Timur Ishmetovning aytishicha, bank sektorida raqobat yetarli emas \u2014 barcha banklar bir xil siyosat yuritadi. Markaziy bank fintex kompaniyalariga bank xizmatlarini ko\u2018rsatish va islom moliyasini rivojlantirishga ruxsat berishni rejalashtirmoqda. Banklar soni emas, raqobat sifati ustuvor.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/","og_locale":"uz_UZ","og_type":"article","og_title":"MB bank sektoridagi raqobatni yetarli emas deb hisoblaydi, fintex va islom banklariga e\u2019tibor qaratadi","og_description":"Markaziy bank rahbari Timur Ishmetovning aytishicha, bank sektorida raqobat yetarli emas \u2014 barcha banklar bir xil siyosat yuritadi. Markaziy bank fintex kompaniyalariga bank xizmatlarini ko\u2018rsatish va islom moliyasini rivojlantirishga ruxsat berishni rejalashtirmoqda. Banklar soni emas, raqobat sifati ustuvor.","og_url":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/","og_site_name":"Frank.uz","article_publisher":"https:\/\/www.facebook.com\/FrankUzbekistan","article_published_time":"2025-10-27T07:04:24+00:00","author":"Azamat","twitter_card":"summary_large_image","twitter_creator":"@frank_uzb","twitter_site":"@frank_uzb","twitter_misc":{"Written by":"Azamat","Est. reading time":"2 daqiqa"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/","url":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/","name":"MB bank sektoridagi raqobatni yetarli emas deb hisoblaydi, fintex va islom banklariga e\u2019tibor qaratadi &#8212; Frank.uz","isPartOf":{"@id":"https:\/\/frank.uz\/uz\/#website"},"primaryImageOfPage":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/#primaryimage"},"image":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/#primaryimage"},"thumbnailUrl":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/08\/6m6a9305.webp","datePublished":"2025-10-27T07:04:24+00:00","author":{"@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67"},"description":"Markaziy bank rahbari Timur Ishmetovning aytishicha, bank sektorida raqobat yetarli emas \u2014 barcha banklar bir xil siyosat yuritadi. Markaziy bank fintex kompaniyalariga bank xizmatlarini ko\u2018rsatish va islom moliyasini rivojlantirishga ruxsat berishni rejalashtirmoqda. Banklar soni emas, raqobat sifati ustuvor.","breadcrumb":{"@id":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/#breadcrumb"},"inLanguage":"uz-UZ","potentialAction":[{"@type":"ReadAction","target":["https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/"]}]},{"@type":"ImageObject","inLanguage":"uz-UZ","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/#primaryimage","url":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/08\/6m6a9305.webp","contentUrl":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/08\/6m6a9305.webp","width":2000,"height":1333,"caption":"\u0424\u043e\u0442\u043e: \u00ab\u041a\u0443\u0440\u0441\u0438\u0432\u00bb"},{"@type":"BreadcrumbList","@id":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-bank-sektoridagi-raqobatni-yetarli-emas-deb-hisoblaydi-fintex-va-islom-banklariga-etibor-qaratadi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/frank.uz\/uz\/"},{"@type":"ListItem","position":2,"name":"MB bank sektoridagi raqobatni yetarli emas deb hisoblaydi, fintex va islom banklariga e\u2019tibor qaratadi"}]},{"@type":"WebSite","@id":"https:\/\/frank.uz\/uz\/#website","url":"https:\/\/frank.uz\/uz\/","name":"Frank.uz","description":"\u0414\u0435\u043d\u044c\u0433\u0438. \u0411\u0438\u0437\u043d\u0435\u0441. \u0412\u043b\u0430\u0441\u0442\u044c.","alternateName":"\u0414\u0435\u043b\u043e\u0432\u044b\u0435 \u043d\u043e\u0432\u043e\u0441\u0442\u0438 \u0423\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u0430\u043d\u0430","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/frank.uz\/uz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"uz-UZ"},{"@type":"Person","@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67","name":"Azamat","image":{"@type":"ImageObject","inLanguage":"uz-UZ","@id":"https:\/\/frank.uz\/uz\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d243bbe6aa31efeab6988fe2306a2e5b6dcf75c26624d1771654002e7e919c16?s=96&d=mm&r=g","caption":"Azamat"}}]}},"_links":{"self":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts\/11818","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/comments?post=11818"}],"version-history":[{"count":0,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/posts\/11818\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/media\/6905"}],"wp:attachment":[{"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/media?parent=11818"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/categories?post=11818"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/frank.uz\/uz\/wp-json\/wp\/v2\/tags?post=11818"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}