Mazkur ilmiy maqolada bank faoliyatini raqamlashtirish orqali xizmatlar sifatini oshirish masalasi “O‘zsanoatqurilishbank” ATB misolida o‘rganilgan. Tadqiqot davomida bank tomonidan 2021–2024 yillar oralig‘ida joriy etilgan raqamli texnologiyalar, mobil ilovalar, internet-banking, onlayn kreditlash, chatbotlar va sun’iy intellekt asosidagi xizmatlarning samaradorligi tahlil qilindi. Statistik ko‘rsatkichlar asosida mijozlar qoniqish darajasining ortishi, xizmat ko‘rsatish tezligi va qulayligi oshgani aniqlangan. Shuningdek, maqolada xizmat sifatini yanada yaxshilash uchun zarur bo‘lgan strategik yo‘nalishlar – shaxsiylashtirilgan xizmatlar, avtomatlashtirish darajasini oshirish va kibermuhofaza choralarini kuchaytirish bo‘yicha tavsiyalar berilgan. Ushbu tadqiqot O‘zbekistonda bank raqamlashtiruvi orqali xizmatlar sifatini yaxshilashda muhim ilmiy-amaliy asos bo‘lib xizmat qiladi.

This scientific article is devoted to the analysis of the impact of financial technologies (fintech) on banking activities using the example of one of the leading commercial banks of Uzbekistan - JSCB "Uzsanoatqurilishbank". Fintech technologies, which have been developing rapidly in recent years, are creating broad opportunities for banks to automate traditional operations, improve the quality of customer service, reduce costs, and diversify financial products. This article provides a detailed analysis of the implementation of such innovative technologies in JSCB "Uzsanoatqurilishbank" and their effectiveness. The study covers the changes in fintech projects implemented by the bank in 2018–2024, in particular - mobile banking applications, online lending systems, artificial intelligence-based recommendation modules, blockchain technologies, real-time currency conversion, and biometric authentication systems, based on statistical data. The article shows the real impact of digital transformation based on indicators such as the share of digital transactions, the growth of the number of customers, the speed and convenience of services. It also analyzes the problems encountered in the process of fintech implementation, including cybersecurity threats, technical failures, information privacy issues, and solutions developed by the bank to reduce them. Through this example, the author scientifically substantiates the profound impact of fintech technologies on banking activities not only technically, but also economically and socially. This article is of practical and theoretical importance for bank managers, financial specialists, information technology specialists and scientific researchers, and indicates the main directions of the digital transformation process of the banking system of Uzbekistan.

Ушбу мақолада спорт маркетинги ва менежменти соҳасининг ҳозирги ҳолати, мавжуд муаммолар аниқланган ва ривожлантиришга оид аниқ таклифлар берилган. Жаҳон тажрибаси асосида спорт клублари ва федерациялари ўз брендларини шакллантириш, аудитория билан самарали мулоқот қилиш ва рақобатбардош тижорат стратегиясини ишлаб чиқиш таклиф этилган.

Данная статья посвящена исследованию применения мелкозернистых бетонов в транспортном строительстве с использованием местных сырьевых материалов. Рассмотрены ключевые характеристики мелкозернистого бетона, включая его прочность и долговечность, а также преимущества, которые дает использование местных материалов. В статье анализируются экономические и экологические выгоды применения местных ресурсов, а также современные методы улучшения качества бетонов, такие как использование добавок и новых технологий. Автор приходит к выводу, что использование местных сырьевых материалов может значительно снизить стоимость строительства, повысить его экологическую устойчивость и способствовать экономическому развитию региона.

Small biopsies are of great importance in pathological diagnostics, as they allow for the early detection of many diseases and the determination of treatment strategies. However, morphological errors that occur during the evaluation of these samples can lead to incorrect diagnosis and a negative impact on the patient's health. The article analyzes the main morphological errors that occur during the study of small biopsies, their causes and clinical consequences. It also highlights the importance of improving the biopsy technique, proper sample preparation, and the use of modern diagnostic methods (immunohistochemistry, molecular diagnostics) to prevent errors. The study also shows the possibilities of reducing diagnostic errors by improving the professional skills of pathologists and strengthening quality control.