aspg-37-4399-1792226185 20261017083625 American Scientific Publishing Group admin@americaspg.com American Scientific Publishing Group Financial Technology and Innovation FinTechI 2836-5372 2024 4 1 Samandarboy Sulaymanov Tashkent State University of Economics, Uzbekistan Durdona Davletova Tashkent State University of Economics, Uzbekistan Digital finance markets often expand through account ownership before those accounts become active sources of payment value, merchant participation and durable financial behaviour. This paper develops a business-oriented FinTech readiness model that separates access, activation, merchant conversion, stored-value behaviour and resilience. The analysis uses regional and income-group indicators from the Global Findex database to examine how account access is transformed into commercially meaningful digital payment use. The results show that account ownership alone is an incomplete measure of FinTech market opportunity. High-income economies have the strongest overall readiness, East Asia and Pacific shows strong merchant-payment conversion, Sub-Saharan Africa has a distinctive mobile-money channel, and low-income economies show large unmet activation potential. The paper contributes a practical scorecard for banks, payment firms and regulators by showing where digital finance strategy should focus: onboarding, usage activation, merchant acceptance, account-based value retention, or trust and resilience safeguards. 2024 25 31 4399 https://creativecommons.org/licenses/by/4.0/ 10.54216/FinTech-I.040104 https://americaspg.com/journal/37/article/4399 https://americaspg.com/storage/articles/manuscripts/01KTY156XYQJNEH2E27CN8ZQFM.pdf