Цифровая экономика

THE SOCIO-ECONOMIC SIGNIFICANCE OF FINANCING INNOVATIVE ACTIVITIES IN INDUSTRIAL ENTERPRISES

Shakhodat Bakhronova — 2025-07-29

This article comprehensively explains the socio-economic importance
of financing innovative activities in industrial enterprises. The analysis of the
significant impact of attracting funds for the introduction of innovations in industrial
enterprises on the country's economic growth, increasing the competitiveness of
industrial enterprises and social development, and the necessary proposals and
conclusions are given.

ANALYSIS OF INVESTMENT AND INNOVATION ACTIVITIES AT OIL AND GAS PRODUCTION ENTERPRISES

Sarvinoz Salomova — 2025-07-29

The article describes the investment and innovation activities of the
oil and gas industry, which is considered one of the important industries for the
country's economy, its problems, news, investment development trends, as well as the
work carried out in this area. In particular, an analysis was made of the process of
increasing the economic potential of the oil and gas network and the efficiency of
resource use in the country's economy.

DIGITAL MARKETING AND ITS IMPORTANCE IN THE MODERN WORLD

Kamola Sobirova — 2025-07-29

Digital marketing is the process of promoting products and services
through the use of digital technologies and online platforms. Internet, social media,
mobile apps, and other digital tools are key methods for brand promotion, customer
interaction, and identifying their needs. This article analyzes the development of digital
marketing, its modern trends, and strategies for improving its effectiveness.

CHALLENGING PROBLEMS OF THE DEVELOPMENT OF THE FOOD MARKET IN UZBEKISTAN

Ugiloy Daminova — 2025-07-29

In this article, the role of the food market in the country's economy,
the main problems in the development of the food market, the agricultural markets that
are the main suppliers of the food market, the main elements of the food market and
their main vision are discussed. information about the indicators is given. There are
also opinions on the level of supply of the food market of Uzbekistan and ways of its
development.

EMPLOYMENT OF THE POPULATION IN THE LABOR MARKET IMPROVE EFFECTIVE MECHANISMS

Feruza Odilova — 2025-07-29

In the labor market, the employment of the population and the
reduction of unemployment is a process that requires a multilateral study as a complex
socio-economic phenomenon. In this regard, this article explores the elements and tools
of an effective socio-economic mechanism for increasing the employment of the
population.

MODERN ASPECTS OF CHANGES IN THE STRUCTURE OF POPULATION INCOME AND IMPROVING LIVING STANDARDS

Nafisa Ergasheva — 2025-07-29

This article theoretically examines the income of the population and
its structure, analyzing the correlation between living standards and income levels.
Factors influencing the formation of population income and reducing income
disparities are studied, along with modern economic tools for ensuring a decent
standard of living.

CLEAN ENERGY TRANSITION IN UZBEKISTAN

Komila Nuraliyeva — 2025-07-29

This article examines Uzbekistan’s shift to sustainable energy,
focusing on the role of renewable energy sources, development opportunities, and
ongoing initiatives. It highlights alternative energy resources such as solar, wind, and
hydropower, emphasizing their economic and environmental advantages. Additionally,
it addresses current barriers and future prospects in the transition process.

IMPORTANCE OF FOREIGN LANGUAGES IN TOURISM DEVELOPMENT

Sayyora Rahmanova — 2025-07-29

The ability to speak foreign languages plays a crucial role in
enhancing tourism by facilitating communication between tourists and locals. It allows
travelers to better understand local cultures, traditions, and customs, enriching their
overall experience. For the tourism industry, multilingualism helps attract a diverse
range of visitors by providing services in various languages. Moreover, it fosters
stronger connections between countries and promotes mutual understanding. Effective
language skills also boost local economies by encouraging longer stays and higher
spending. Thus, foreign languages are vital for the growth and success of global
tourism.

THE EFFECTIVENESS OF USING DIGITAL PLATFORMS IN DEVELOPING ENTREPRENEURIAL EXPORT

Dilshod Mamasoatov — 2025-07-29

The article presents scientific research on the effectiveness of using
digital platforms in export activities, the development of digital technologies, these
interactions between firms and their consumers with the growth of the digital economy,
as well as the possibilities of digital technologies to order and receive buyers and sellers
on a global scale.

ANALYSIS OF STRUCTURAL CRITERIA OF PRIORITY INTERNATIONAL RATINGS AND INDICES RELATED TO THE DEVELOPMENT OF THE DIGITAL ECONOMY

Dildora Doschanova — 2025-07-29

There are more than 100 international ratings and indices in the world,
24 of which are considered priority for our country. These international rating agencies
compile their reports based on a specialized methodology, as well as criteria, indicators
and sub-indicators related to their area of activity. This article analyzes the content of
international ratings and indices reports as a mechanism for selecting promising and
relevant areas of digitalization in our country.

INFLUENCE OF THE INSTITUTIONAL PRINCIPLES OF CORPORATE MANAGEMENT ON THE FINANCIAL AND ECONOMIC SITUATION OF INDUSTRIAL ENTERPRISES

Gulshodakhan Ismailova — 2025-07-29

In the article, it is studied that enterprises with high financial
performance have a high institutional management rating. Liquidity coefficients,
financial structure coefficients, activity indicators and profitability coefficients
reflecting the financial results of enterprises were used in this process. All metrics must
be optimized and managed accordingly for companies to rank high in performance.
Multi-criteria decision-making methods were analyzed to determine these optimal
solutions. Based on these criteria, suggestions and recommendations were given to
companies to choose the best alternative.

INCREASING THE EFFICIENCY OF OIL AND GAS INDUSTRY ENTERPRISES IN UZBEKISTAN

Sarvinoz Salomova — 2025-07-29

The article describes the oil and gas industry, which is considered
one of the priority areas of the country's economy, its problems, news, production
trends, the role of foreign and local scientific and research work in the field, the
dynamics of funds allocated to it, resource reserves and forecasts. In particular, the
analysis of the role of the oil and gas industry in the economy of the country, the
economic potential and the process of increasing the efficiency of resource use was
carried out. In particular, the dynamics of foreign direct investments in the oil and gas
industry, oil and gas reserves and their forecast indicators, economic indicators of
financial investments in the oil and gas industry are presented by year.

INVESTMENT RISKS IN THE DIGITAL ECONOMY AND WAYS TO REDUCE THEM

Kamolaxon Gulomova — 2025-07-29

This article examines investment risks, their types, causes, and
mitigation methods. It analyzes financial, operational, market, and political risks faced
by investors and businesses. Special attention is given to risk management tools such
as diversification, insurance, hedging, analysis, and monitoring. The article serves as a
valuable guide for ensuring investment security and making strategic decisions for
investors.

DIVERSIFICATION: AN EFFECTIVE METHOD OF REDUCING INVESTMENT RISKS

Kamolaxon Gulomava — 2025-07-29

This article broadly discusses the concept of diversification as an
effective method of managing investment risks. The main goal of diversification is to
minimize risks and stabilize portfolio returns. The article analyzes the concept of
diversification, its benefits and methods. It also examines the advantages and
limitations of diversification across assets, geographic areas and industries. This article
will be useful for investors looking for practical advice on how to reduce risks in the
investment process.

PROSPECTS OF USING DIGITAL TECHNOLOGIES IN EDUCATION

Shokhruh Mirzayev — 2025-07-29

The article details the prospects for applying digital technologies in
the education system, as well as the possibilities of improving the educational process
through digital technologies, improving the quality of education, developing students'
scientific potential, and creating broad opportunities for further democratization of
education, organizing high-quality and engaging classes.

THE ROLE OF DIGITALIZATION IN THE REAL SECTOR OF SMALL BUSINESS AND PRIVATE ENTREPRENEURSHIP

Muxtor Gulov — 2025-07-29

This article highlights the importance and benefits of digitalization in
small businesses and private entrepreneurship. Digital technologies enhance
efficiency, open up new markets, and reduce costs. The challenges associated with
digitalization, including initial investments, lack of technical expertise, and security
issues, are also examined. Future prospects focus on innovative approaches through
artificial intelligence and cloud technologies.

DIGITAL ECONOMY FORMATION IN UZBEKISTAN

Hayat Muhitdinov — 2025-07-29

The article presents scientific research on the active development
of the digital economy, improvement of the public administration system, education
and e-government in all sectors and areas, primarily in public administration, further
development of the domestic market of software products and information
technologies, creation of IT parks in all regions of the republic, as well as providing
the industry with qualified personnel.

MAIN PROBLEMS AND SOLUTIONS OF SUSTAINABLE MANAGEMENT AND USE OF WATER RESOURCES

Mahammadjon Ashurov — 2025-07-29

The article substantiates the importance of water resources at the
global and Uzbek levels, the important role of water in ensuring environmental and
economic stability at the global and local levels, and the fact that water is a necessary
factor for socio-economic development and contributes to almost all sustainable
development goals. Problems in water resources management at the global and Uzbek
levels are studied. Based on the results of the study, proposals are made aimed at the
effective use of water and achieving sustainable development goals.

PROBLEMS OF INTRODUCING MODERN DIGITAL TECHNOLOGIES INTO THE ACTIVITIES OF THE POST OFFICE ENTERPRISE

Jonibek Ravzatov — 2025-07-29

This article analyzes the problems and prospects for the introduction
of digital technologies in postal enterprises. Based on literature analysis, the main
obstacles to the process of digitization of postal services, international experience and
ways to eliminate them are studied.

THE ROLE OF DIGITALIZATION IN INCREASING THE ECONOMIC POWER OF REGIONS

Khabibullo Abdullaev — 2025-07-29

Digitalization is one of the most important directions of economic
modernization today. This process serves as a kind of catalyst for increasing the
economic potential of regions. This topic studies the impact of digitalization on the
regional economy, as well as analyzes its impact on increasing the efficiency of
economic activity, expanding production volumes, attracting investments and
increasing employment.

ASSESSING THE MACROECONOMIC IMPACT OF TECHNOLOGICAL INNOVATIONS ON THE INDUSTRIAL GROWTH OF UZBEKISTAN: A TIME SERIES ANALYSIS

Khabibullo Abdullaev — 2025-07-29

The industrial sector of Uzbekistan has undergone significant changes
over the past two decades, driven by technological innovations. This study aims to
assess the impact of these innovations on the region’s industrial growth and to forecast
production trends until 2030 using an ARIMA model. The analysis draws upon
historical industrial production data from 2000 to 2023, alongside technological
adoption indicators. Results indicate that technological advancements have contributed
to a substantial increase in industrial output, with a projected 15% growth by 2030.
This paper contributes to the broader understanding of regional industrial dynamics
and offers practical policy recommendations for sustaining growth through continuous
innovation.

DEVELOPMENT OF HOUSING CONSTRUCTION AND HOUSING AND MUNICIPAL SERVICES IN UZBEKISTAN

Islambek Davletov — 2025-07-29

This article examines the development of housing construction and
housing and communal services under the influence of economic, demographic and
urbanization factors in providing the population of Uzbekistan with high-quality and
affordable housing, as well as issues of improving mortgage lending mechanisms as a
tool for providing housing to all segments of the population. It also substantiates the
“housing affordability index” adequate to the current level of socio-economic
development of the country.

DEVELOPMENT OF DIGITAL SERVICES OF GEORGIA

Azizjon Bobojonov — 2025-07-29

This study evaluates Georgia’s digital evolution by examining digital
gaps across 12 sub-components relative to global median scores. Of these, nine subcomponents reveal a significant digital gap, while three outperform the global median.
The areas of strength include Institutional Effectiveness and Trust, Institutions and the
Business Environment, and the Inputs sub-category from Innovation and Change.
These successes reflect Georgia’s potential for growth in institutional and innovationdriven domains. However, the strong correlation coefficient (0.60) between digital
gaps and overall digital evolution scores indicates that the digital divide with more
developed countries is primarily due to indicators with low absolute values. This
underscores the need for targeted investments to address underperforming areas,
bridging the gap and enhancing Georgia’s digital development trajectory. This research
was supported by a Marie Curie Staff Exchange within the Horizon Europe Programme
(grant acronym: CARSI, no: 101086415).

INCREASING THE EFFICIENCY OF ORGANIZING PUBLIC-PRIVATE PARTNERSHIPS

Vasila Ubaydullaeva — 2025-07-29

The article explores the organization of public-private partnerships
and its specifics, organizational forms, interaction of private business and public
resources. The author's research on the development of Public-Private Partnership on
the basis of the economic interest of the parties in modern conditions of the study of
the principles of the development of Public-Private Partnership is presented.

THE IMPACT OF GROWING COMPETITIVENESS ON STRUCTURAL CHANGES IN THE REGIONAL ECONOMY

Firuza Rakhmatullaeva — 2025-07-29

The article analyzes the category of regional competitiveness, which
is one of the main economic categories in market relations. The article also defines the
need to study the structural changes in the regional and branch structure of the
economy, the factors affecting the competitiveness of the regional economy.

METHODOLOGICAL ASPECTS OF THE STUDY OF THE THEORY OF TAX MANAGEMENT

Furkat Bazarov — 2025-07-29

The article analyzes various approaches to the interpretation of the
concept of "tax management" and, on the basis of the study, formulated a broader
definition of not only the concept of "tax management", but also its components.

CURRENT TRENDS OF THE DIGITAL ECONOMY AND ITS IMPACT ON ECONOMIC GROWTH IN GLOBALIZATION

Furkat Bazarov — 2025-07-29

The article examines the current trends in the development of the
digital economy and its impact on economic growth in the context of globalization.
Many scientific studies are being conducted on improving the structure of the economy
of regions in the context of globalization and international competition in the world, as
well as the expansion of digitization processes. Development of modern
methodological approaches to the development and support of advanced regions, rapid
development of industries based on high technologies, reduction of social gaps between
all regions, regulation of population employment and standard of living, widespread
introduction of the policy of decentralization of the management system,
implementation of structural changes in regions and assessment of the impact of socioeconomic and ecological systems and digital technologies on ensuring sustainable
economic growth are main priority directions of scientific and research work in this
regard.

PROMISING DIRECTIONS FOR OPTIMIZING SUSTAINABILITY AND EFFICIENCY OF GRAIN PRODUCTION IN THE FOOD SECTOR OF THE REPUBLIC OF UZBEKISTAN

Dildora Kurbanova — 2025-07-29

The article explores promising directions for optimizing grain
production in the Republic of Uzbekistan, taking into account modern global trends.
Based on the analysis of international experience and current research, a complex of
measures to improve the efficiency and sustainability of grain production is proposed.
Recommendations are presented for technological modernization of the industry,
development of scientific and educational base, and infrastructure improvement.
Special attention is paid to digitalization, environmental sustainability, and
strengthening the country's food security.

FLYING AD-HOC NETWORKS: REVIEW, CHALLENGES, ARCHITECTURE, PROTOCOLS, COMMUNICATION AND MODELING

Salimjon Mahmudov — 2025-07-29

This paper examines one of the most promising areas in the
development of wireless self-organizing networks: FANETs, which are based on
unmanned aerial vehicles (UAVs). The article explores various issues and unresolved
problems related to communication organization within FANET networks. It provides
an overview of existing protocols across different layers, including the physical layer,
media access control, network layer, and transport layer. While single UAV systems
have been used for decades, there are many advantages to using a group of small UAVs
instead of relying on a single large UAV. However, multi-UAV aerial systems come
with their own challenges, and one of the most significant design challenges is
communication. This paper considers the Flying Ad-Hoc Network (FANET) as a new
network category, primarily an ad hoc network for UAVs.

SPECIFIC ASPECTS OF FORMING THE LOGISTICS INFRASTRUCTURE IN THE DEVELOPMENT OF ELECTRONIC COMMERCE

Alisher Zaripov — 2025-07-29

This article analyzes the specific aspects of the formation of logistics infrastructure in the development of e-commerce in Uzbekistan. It is based on the need to introduce modern logistics systems for the successful operation of e-commerce. The article, based on state strategic documents and international experience, provides recommendations for the modernization of transport and logistics infrastructure and the introduction of digital technologies. Using statistical data and tables, existing problems are shown and scientific and practical approaches to their solution are developed.

GLOBAL TRENDS IN VENTURE INVESTMENTS AND UZBEKISTAN'S EXPERIENCES

Sherzod Atamuradov — 2025-07-29

This article analyzes global trends in venture investments and Uzbekistan's experiences. It explores the primary directions of venture capital in the global market, technological changes in sectors, and the growing demand for ecotechnologies. The article discusses measures taken to develop venture capital in Uzbekistan, successful startups, and the importance of international cooperation. It also highlights the opportunities for effectively utilizing international experience and harmonizing global and local models. Recommendations are provided to accelerate the development of venture capital in Uzbekistan.

PROCEDURE FOR FINANCING HOUSING CONSTRUCTION BY COMMERCIAL BANKS THROUGH MORTGAGE LOANS

Azamat Ziyaev — 2025-07-29

This article describes the financing mechanism of commercial banks for housing construction through mortgage loans, i.e., the method of financing housing construction through mortgage loans allocated to individuals in the order of participation during the construction period, problems in its application in the banking sector of our country and recommendations for their solutions.

IMPROVEMENT OF ORGANIZATIONAL AND ECONOMIC MECHANISMS OF TEXTILE INDUSTRY CLUSTER MANAGEMENT

Nadirakhan Boltabayeva — 2025-07-29

This article examines the issues of improving organizational and economic mechanisms of textile industry cluster management. Based on the analysis of the current situation, the problems encountered in the management of clusters, including the weakness of cooperation between participants, financial difficulties in the introduction of innovations, and lack of infrastructure have been identified.

ECONOMIC EVALUATION OF THE EFFECTIVENESS OF ARTIFICIAL INTELLIGENCE IN HEALTHCARE USING THE HEALTH TECHNOLOGY ASSESSMENT METHOD

Ruslan Sultanov — 2025-07-29

This article analyzes the financial efficiency of implementing artificial intelligence (AI) in healthcare, examining key evaluation models such as ROI, CBA, and HTA, as well as examples of successful technology adoption. The primary risks and barriers associated with AI usage in medical institutions are discussed, along with strategies for minimizing these challenges. The study highlights potential areas for advancing efficiency assessment methods tailored to the specific needs of healthcare and outlines directions for future research.

CREATING COMPETITIVE ADVANTAGE: AS A KEY FACTOR OF BUSINESS PERFORMANCE

Shokhida Abdurakhmanova — 2025-07-29

This article analyzes the impact of creating competitive advantages in service organizations on efficiency. It is shown that the competitive position of the organization in the market can be strengthened through optimized resource management, the introduction of innovations, increased quality, development of personnel potential, and improvement of the management system. The article examines the main factors affecting competitiveness, including the analysis of operational efficiency and factors determining strategic positioning, and the importance of pricing policy. These approaches are assessed as the main factors for ensuring long-term sustainable development of enterprises and increasing profitability. Michael Porter's five forces model of competitiveness management and the impact of price and non-price competition on efficiency are studied in organizations in the service sector, in particular in medical institutions.

STATISTICAL ACCOUNTING OF THE LABOR MARKET AND THE FORMATION OF AN INFORMATION BASE

Odina Mirzayeva — 2025-07-29

This article examines the issues of the formation of a system of statistical accounting of the labor market and an information base. The methodology of labor market statistics, international standards and national practice are analyzed. Modern approaches to improving the database of the labor market on the basis of digital technologies have also been studied.

PROSPECTS OF USING DIGITAL TECHNOLOGIES IN EDUCATION

Shokhruh Mirzayev — 2025-07-29

The article details the prospects for applying digital technologies in the education system, as well as the possibilities of improving the educational process through digital technologies, improving the quality of education, developing students' scientific potential, and creating broad opportunities for further democratization of education, organizing high-quality and engaging classes.

IMPROVING THE PERSONNEL MANAGEMENT SYSTEM IN COMMERCIAL BANKS

Sherzod, Tursunov, — 2025-07-29

This article examines the issues of improving the personnel management system in commercial banks. Employees are the most important resource for banks, so their skills, motivation and attitude directly affect the success of the bank. The article discusses the processes of personnel planning and selection, training, motivation and evaluation. Also, recommendations are given on how to improve the personnel management system by introducing modern technologies and strategies. This study aims to improve the effectiveness of human resource management in commercial banks and improve the overall performance of the bank.

THE IMPORTANCE OF DIGITALIZATION IN THE ACTIVITIES OF SMALL BUSINESS ENTITIES

Sherzod Atamuradov — 2025-07-29

The article analyzes the importance of the digitalization process in the activities of small business entities. Factors such as improving efficiency, reducing costs, and enhancing competitiveness in the market through digitalization are examined. Additionally, the experiences of Uzbekistan and foreign countries are analyzed.

FOREIGN EXPERIENCE OF FINANCIAL PLANNING AND ASSESSMENT OF FINANCIAL RISK IN ENTERPRISES

Akbar Shernayev — 2025-07-29

In the article, the organization of programs of strategic financial development of the enterprise. Making strategic financial decisions, ensuring compatibility of the main results of the company's strategic financial choice, segments of strategic financial development, as well as the deadlines for the implementation of separate interrelated strategic decisions, ensuring the goals of the program's strategic financial development , foreign experience of financial risk assessment, innovative development of the enterprise and new financial opportunities for development, proposals and recommendations on the efficiency of the enterprise's financial activity.

FOREIGN EXPERIENCE IN ATTRACTING INVESTMENTS TO THE PRIVATE SECTOR

Mohizoda Imomaliyeva — 2025-07-29

This article analyzes the importance of attracting foreign investment to the private sector and foreign experience. Successful practices in attracting foreign capital are studied using the examples of Singapore, China and Turkey. The possibilities of applying these experiences in Uzbekistan, including simplification of legislation, development of special economic zones, implementation of public-private partnership (PPP) projects, are analyzed. The article contains effective proposals for developing the private sector and attracting investment in Uzbekistan.

CRITICALLY EVALUATION THE CONTRIBUTION OF TRAIT BASED THEORIES TO CONTEMPORARY APPROACHES SUCH AS TRANSFORMATIONAL, TRANSACTIONAL AND AUTHENTIC LEADERSHIP

Salohiddin Xusanov — 2025-07-29

This paper examines the contribution of trait-based theories to contemporary leadership approaches, focusing on transformational, transactional, and authentic leadership styles. It begins with an exploration of the Great Man Theory, which posits that leaders are born, not made, and transitions into a discussion on the trait-based leadership theory. Although the popularity of trait-based theories waned due to the inability to identify consistent traits among successful leaders, their impact remains significant. Key traits such as charisma, emotional intelligence, and the Big Five personality traits (openness to experience, conscientiousness, extraversion, agreeableness, and neuroticism) are analyzed in the context of their relevance to modern leadership. The paper argues that understanding these traits can help organizations identify and develop potential leaders. Despite criticisms for neglecting situational factors, trait-based theories have provided valuable insights into the personal qualities that contribute to effective leadership.

ISSUES OF USING ARTIFICIAL INTELLIGENCE IN ACCOUNTING OF CONSTRUCTION ENTERPRISES

Nurillo Ablazov — 2025-07-29

This article is devoted to the issues of using artificial intelligence in the accounting of construction companies and researched this new direction at the present stage. The main goal is to analyze the issues of using artificial intelligence in the organizationʼs accounting and its role. All the positive and negative aspects of the introduction of artificial intelligence-based technologies in the accounting and financial statements of construction companies are also compared. The research findings are expected to be useful for specialists working in the accounting sector, as well as for scientists engaged in scientific research in this area.

EFFICIENCY OF USING ARTIFICIAL INTELLIGENCE IN TRADE AND E-COMMERCE

Charos Makhkamova — 2025-07-29

This article analyzes the impact of artificial intelligence technologies on efficiency in the areas of trade and e-commerce. The role of artificial intelligence tools in automating sales processes, enhancing an individual approach to customers, analyzing data, and optimizing costs is considered. The results of the study reveal the impact of using these technologies on business development.

THE ROLE OF THE STATE IN STIMULATING INNOVATION ACTIVITIES IN UZBEKISTAN

Mukhammadkhuja Saitkamolov — 2025-07-29

The article examines the role of the government of Uzbekistan in creating conditions for the development of innovations and venture financing. It analyzes key programs and initiatives specifically designed to stimulate technological progress, their impact on the economic environment and entrepreneurial activity in the context of the digital economy. Based on the current state of the innovation sphere in the country, the study offers recommendations for enhancing the effectiveness of existing measures and developing new strategies.

ANALYSIS OF THE MANAGEMENT OF THE COMPETITIVENESS OF SEWING-KNITTING ENTERPRISES

Dilafruz Vafoeva — 2025-07-29

The article discusses the competitiveness of enterprises, their place in the competitive environment, and the development and improvement of the activities of sewing and knitting enterprises.

ASOSIY VOSITALARNI HISOBGA OLISHDA SUNʼIY INTELLEKTDAN FOYDALANISH MASALALARI

Shaxrinoz Kurbonova — 2025-07-29

Bugungi kunda axborot texnologiyalar sohasining keskin rivojlanishi, innovatsiyalar, raqamli iqtisodiyot jamiyat hayotining barcha jabhalariga oʻz taʼsirini oʻtkazmoqda. Ushbu sharoitda aksariyat sohalar rivojlanadi va ravnaq topmoqda, shu bilan birgalikda baʼzi tarmoqlar esa asta-sekin davr toʻlqinida shoʻngʻimoqda. Asosiy vositalar xoʻjalik yurituvchi subyektning ish faoliyatining eng muhim tarkibiy qismidir, uning hisobini samarali tashkil etish asosiy vazifalardandir. Shundan kelib chiqqan holda biz ushbu tadqiqotimizni asosiy vositalarni hisobga olishda sunʼiy intellektdan foydalanish masalalariga bagʻishladik, zero bugungi kunda shiddat birlan rivojlanayotgan sunʼiy intellektga asoslangan texnologiyalar buxgalteriya hisobi ga ham oʻz taʼsirini oʻtkazishi muqarrar. Shu boisdan bu boradagi tadqiqotlar bugungi kunda juda dolzarb hisoblanadi, biz birinchi navbatda korxona oʻzagi boʻlgan asosiy vositalar hisobini samarali tashkil etish va uning tahlilini takomillashtirishga eʼtibor qaratishimiz lozim.

MODELS OF SUSTAINABLE TOURISM DEVELOPMENT: INTERNATIONAL EXPERIENCE AND POSSIBILITIES OF THEIR APPLICATION IN THE CONDITIONS OF UZBEKISTAN

Madina Shirinova — 2025-07-29

This article is devoted to the analysis of international models of sustainable tourism and their adaptation to the conditions of Uzbekistan. The paper examines the economic, environmental and social aspects of sustainable tourism, as well as their impact on the development of the country's tourism industry. The study includes an overview of the successful practices of Switzerland, Japan and other countries used to manage tourist flows, minimize environmental damage and increase economic returns. It is shown that the use of energy-saving technologies, water conservation systems and environmental certification of tourist facilities contributes to increasing the competitiveness of the tourism industry. Special attention is paid to the need to improve national strategies, develop infrastructure and enhance international cooperation to promote the principles of sustainable tourism. The conclusions of the study emphasize the importance of integrating modern technologies and approaches to ensure the long-term and balanced development of the tourism sector in Uzbekistan.

INNOVATIVE MANAGEMENT APPROACHES TO INCREASING THE FINANCIAL CAPACITY OF BANKS

Shohjahon Vakhobov — 2025-07-29

Increasing the financial potential of banks is one of the pressing problems of the economy. In this process, the introduction of innovative management methods is of great importance. This paper discusses the digitalization of banking activities, the development of financial technologies, and increasing financial potential through the use of modern management methods.

ANALYSIS OF WEB TECHNOLOGIES FOR CREATION OF EDUCATIONAL PLATFORMS AND FREE OPEN SOURCE SOFTWARE IN EDUCATION

Lolakhon Baynazarova — 2025-07-29

The article discusses the main tasks of managing the learning process of students of a higher educational institution through a remote web platform. Web technologies creating educational platforms, as well as analysis of free and opensource software in education, are covered extensively, with an overview of organizational web technologies and databases and their applications in practice.

FORMATION AND EFFECTIVE MANAGEMENT OF INVESTMENT POTENTIAL

Sherzod Tursunov — 2025-07-29

This article analyzes the main directions of investment potential formation and management. Investment potential is a set of mechanisms that create opportunities for ensuring long-term economic growth, implementing new projects and increasing market competitiveness through the effective management of financial and economic resources. The article highlights the internal and external sources that play the most important role in the formation of investment potential, in particular, equity, credit resources, external debts, deposits and other financial sources. It also emphasizes the importance of assessing and minimizing risks, diversifying investment portfolios and developing effective management strategies in the process of managing investment potential. Government policy, changes in financial sectors and market demand also serve as important factors in the formation of the investment potential of banks and financial institutions. The article also provides practical recommendations for more effective management of investment activities. This work is a useful resource for banks, financial organizations and economists, expanding knowledge aimed at optimizing investment activities.

THE ROLE AND OPPORTUNITIES OF ARTIFICIAL INTELLIGENCE IN INCREASING ECONOMIC EFFICIENCY

Ulugbek Abdullayev — 2025-07-29

This article aims to study the impact and significance of artificial intelligence technologies on the economy of Uzbekistan. The article analyzes the role of artificial intelligence in economic growth, that is, in the production and industrial sectors, services and services, data analysis, human capital, innovation and economic trade, increasing efficiency, saving resources and creating new jobs.

WAYS TO IMPROVE THE EFFICIENCY OF DIGITAL PLATFORMS IN THE STATISTICAL SYSTEM

О‘ktam Mustafakulov — 2025-07-29

This article will explore ways to improve the efficiency of digital
platforms in the statistical system. Through the use of modern information technology
and data analysis methods, innovative approaches to the optimization of statistical data
collection, processing and distribution processes are analyzed. Based on the results of
the study, it was found that the integration of digital platforms, the use of artificial
intelligence and machine learning algorithms, as well as the improvement of the user
experience significantly increase the effectiveness of the statistical system.

COMPARATIVE ANALYSIS OF THE STANDARD OF LIVING OF FOREIGN COUNTRIES AND RESIDENTS OF UZBEKISTAN

Dilbar Ilyosova — 2025-07-29

This article provides a comprehensive analysis of the standard of
living of the population of Uzbekistan and foreign countries. Various international
indices, statistics and scientific literature were studied in the research process, and the
differences between Uzbekistan and developed countries, their causes and
consequences, were thoroughly analyzed. As a result of the analysis, existing problems
and promising areas for increasing the standard of living of the population in
Uzbekistan were identified. In particular, such priorities as the development of the
labor market, the improvement of the education and health care system, the
modernization of the social protection system and the support of small businesses and
entrepreneurship are established. The article explores the experience of Scandinavian
countries, Japan and South Korea, developing recommendations to adapt their positive
experience to the conditions of Uzbekistan. Also, modern trends and innovative
approaches to raising the standard of living of the population in the context of
globalization have been analyzed.

MANAGEMENT MECHANISMS OF BUSINESS STRUCTURES BASED ON THE PRODUCTION OF INTEGRATED PRODUCTS

Zarnigor Zarnigor — 2025-07-29

This article provides information about manufacturing enterprises,
production processes, the role of production in the country's economy, the organization
of production, and production. It also provides ideas about the factors affecting the
organization of the production process in Uzbekistan.

AGRIBUSINESS AND DIGITALIZATION: ECONOMIC EFFECTS OF THE INTRODUCTION OF MODERN TECHNOLOGIES FOR AGRICULTURE

Zilola Hasanova — 2025-07-29

It is important to study the economic effectiveness of digitalization in
agribusiness and the introduction of modern technologies in agriculture. This article
examines the development and integration of information and communication
technologies (ICT) and digital technologies in the agrarian sector of Uzbekistan. The
article, in particular, examines the role of geographic information systems and modern
ICT tools in improving agricultural management systems. It also presents the results of
research aimed at reforming agriculture and optimizing production processes through
the introduction of digital technologies. Research has shown that the application of ICT
in the agricultural sector is important for increasing production efficiency, managing
resources, and creating new market opportunities.

EFFECTIVENESS OF USING ARTIFICIAL INTELLIGENCE IN CUSTOMER SERVICE

Abdurakhman Okhunboboev — 2025-07-29

This article focuses on studying the efficiency of artificial intelligence
(AI) technologies in customer service. Today, AI provides the capability to deliver fast,
accurate, and personalized customer services. The article analyzes the advantages of
AI systems in customer service processes, including time-saving, error reduction, and
enhancing customer satisfaction. It also explores new trends in customer service using
AI, the digital revolution, and the future changes associated with the development of
AI technologies. Additionally, the article highlights the challenges that arise when
using AI in customer service and offers solutions to address them.

COMMERCIAL BANKS BRANCHES PERFORMANCE RATING ASSESSMENT SYSTEM AND ISSUES OF ITS APPLICATION

Behzod Rajabov — 2025-07-29

In the market of banking services, it is important to increase the sales
of services by expanding business and organizing branch activities. Evaluating the
activities of bank branches and coordinating their activities is one of the important and
urgent tasks of bank management. It is important to identify the branches of the bank
that have achieved good results and those that are lagging behind the average indicators
and to take measures to improve their performance. This leads to the need to create a
system for evaluating the activities of bank branches and divisions. However, it requires the use of accurate evaluation methods to identify branches that are lagging
behind due to management inefficiency, mislocation, and other aspects. The rating and
rating system allows for a systematic analysis of branch activities, identification of
negative factors affecting their activity, and identification of leading and lagging units.
This article examines the issues of using the rating evaluation system in the activities of the branches of the banks of the Republic of Uzbekistan and makes
recommendations for its improvement.