Maqolada tijorat banklarida asosiy vositalar hisobini yuritish va ularni audit qilish tizimini takomillashtirish masalalari har tomonlama tahlil qilingan. Asosiy vositalarning bank faoliyatidagi ahamiyati, ularning baholash va amortizatsiya hisoblash usullari, shuningdek, xalqaro moliyaviy hisobot standartlariga (IFRS) moslashtirish jarayonidagi dolzarb jihatlar yoritilgan. Tadqiqotda O‘zbekiston tijorat banklari misolida asosiy vositalar dinamikasi, ularni boshqarishdagi mavjud kamchiliklar va audit jarayonida uchraydigan muammolar statistik va amaliy jihatdan tahlil etilgan. Natijada, amortizatsiya siyosatini diversifikatsiya qilish, raqamli inventarizatsiya tizimlarini joriy etish, IFRS talablariga to‘liq moslash va audit jarayonini axborot texnologiyalari asosida avtomatlashtirish bo‘yicha taklif va tavsiyalar ishlab chiqilgan.

This research explores the effective use of Artificial Intelligence in crafting customized learning strategies aimed at students who regularly face difficulties in mastering the English language. As AI-enhanced educational tools continue to develop, the potential for delivering personalized instruction has greatly improved. The research explores key obstacles encountered by such learners, analyzes current AI-based educational interventions, and introduces a flexible model for implementing AI-driven adaptive methods tailored to individual learning profiles. The results indicate that AI significantly contributes to enhancing English learning outcomes through individualized support, prompt responses, and continuous encouragement.

This article analyzes the theoretical and practical aspects of the project-based recruitment process at the international and local levels using the example of a group of companies. As an international company, one of the leading financial institutions in Europe — OTP Group, and as a local company, its subsidiary bank in Uzbekistan — “Ipotekabank” OTP Group is selected. The study studies international experiences of project-based recruitment, assessment and selection stages, competency maps and technological solutions, and compares them with local practice. In the international OTP Group experience, recruitment strategies based on project management methodologies such as PMBOK, Agile and PRINCE2, remote candidate assessment systems, KPI-based contracting and rapid onboarding mechanisms are used. In the practice of “Ipotekabank” OTP Group, the gradual adaptation of international standards, assessment criteria adapted to the local labor market, harmonization of offline and online interviews, and adaptation to the bank's corporate culture are analyzed. According to the results of the study, practical recommendations will be developed to improve the efficiency of project-based recruitment, accelerate the selection of qualified personnel, and strengthen the competitiveness of the bank by adapting international experience to local conditions.

Ushbu maqolada bank faoliyatini raqamlashtirish sharoitida bank xizmatlari sifatini oshirishning zamonaviy yo‘nalishlari va mexanizmlari tahlil qilingan. Xususan, raqamli texnologiyalarni joriy etish orqali bank xizmatlarining tezligi, qulayligi, ishonchliligi va shaffofligi oshayotganligi ilmiy asosda yoritilgan. Tadqiqotda mijozlar ehtiyojlariga moslashtirilgan xizmatlar, masofaviy bank operatsiyalari, sun’iy intellekt asosidagi xizmat ko‘rsatish tizimlari va mobil bank ilovalari orqali xizmatlar sifatini oshirish bo‘yicha ilg‘or tajribalar tahlil etilgan. “O‘zmilliybank” AJ misolida raqamlashtirish jarayonlarining amaliy natijalari qisqacha ko‘rib chiqilgan bo‘lib, bank tomonidan joriy etilgan mobil ilovalar, onlayn xizmatlar va mijozlar uchun yaratilgan raqamli qulayliklar xizmatlar sifati oshishida qanday rol o‘ynayotgani ko‘rsatib berilgan. Maqolada raqamli xizmatlarni kengaytirish orqali mijozlar bilan aloqani soddalashtirish, operatsion xarajatlarni kamaytirish va bankning raqobatbardoshligini oshirishga oid takliflar ishlab chiqilgan.

The integration of mobile applications into English language teaching has transformed traditional learning models by providing interactive, accessible, and personalized learning experiences. This paper examines the pedagogical advantages of using mobile applications, evaluates their impact on learner motivation and academic performance, and discusses potential challenges in their implementation. Based on recent studies and practical classroom applications, the analysis demonstrates that mobile-assisted language learning (MALL) promotes learner autonomy, supports multimodal input, and facilitates real-time feedback. However, issues such as digital distraction, unequal access to technology, and the need for teacher training remain critical considerations for maximizing their effectiveness.