№ 50 (2025) Академические исследования в современной науке

The digitalization of banking services has become one of the key drivers of financial sector transformation worldwide. In recent years, digital technologies have not only enhanced the efficiency of financial institutions but also created new opportunities for regional economic integration. This paper examines the role of digital banking in fostering regional cooperation, financial inclusion, and economic growth. The analysis highlights the benefits, challenges, and prospects of digital banking in promoting regional integration.

Post-traumatic gonarthrosis (PTG) is one of the most common pathological conditions of the knee joint, developing as a consequence of traumatic injuries and characterized as a destructive-degenerative disease. Unlike primary osteoarthritis, PTG often occurs in relatively younger patients and is associated with previous meniscal, ligamentous, or intra-articular injuries. The key mechanism in its pathogenesis is the progressive degradation of the articular cartilage, accompanied by subchondral bone sclerosis and microstructural alterations under the influence of inflammatory mediators.

Today, a deep and systematic legal analysis of the privileges granted in ensuring the right to higher education is closely linked with the study of the experience of developed countries. Foreign practice not only creates an opportunity to compare international standards but also necessitates the improvement of national legislation and its adaptation to the socio-economic conditions and legal system of our country. Through this, constitutional rights in the field of higher education are effectively implemented, legal mechanisms are developed, and all citizens’ right to education on the basis of equal opportunities is ensured.

Maqolada tilshunoslikda mavzulashtirilgan lug‘atlar tushunchasi va ularning leksikografiyadagi o‘rni tahlil qilingan. Mavzulashtirilgan lug‘atlarning tarixiy shakllanish bosqichlari, ularning ilmiy-nazariy asoslari hamda zamonaviy ta’lim jarayonidagi ahamiyati yoritilgan. Shuningdek, elektron va onlayn lug‘atlarning paydo bo‘lishi mavzulashtirilgan lug‘atlarning yangi bosqichdagi rivojlanish jarayoni sifatida ko‘rib chiqiladi.

This research investigates the phenomenon of language game in business advertising discourse with a contrastive analysis on English and Uzbek advertisements. Advertising, as one of the most influential types of discourse in modern society, employs various linguistic strategies to attract attention, persuade, and create memorable messages. Among these strategies, language game creative manipulation of words, sounds, and structures plays a crucial role. By analyzing samples from English and Uzbek business advertising, this study shows similarities and differences in the use of phonetic, lexical, semantic, and pragmatic language games. The findings highlight how cultural context, linguistic structure, and market orientation shape advertising creativity in both languages.

Ushbu maqolada sarguzasht-detektiv asarlar, ularning o’ziga xosligi, qiyosiy planda o’rganilish ahamiyati va janr sifatida shakllanish bosqichida mavjud omillar haqida so’z yuritiladi.