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.

Adabiyotshunoslik, badiiy asarlarni o‘rganadi, adabiy jarayonlarni o‘rganadi, tahlil qiladi va shuningdek, tarixiy rivojlanishini nazariy tahlil qiladi. Kutubxonashunoslik fani esa, axborot yig‘adi. Kutubxonashunoslik fani saqlash, tarqatish va tizimli yondashuvni ta’minlashga qaratilgan. Bu ikki soha o‘rtasidagi o‘zaro aloqaning eng muhim jihati, bir tomondan, adabiyotning kutubxonalarda jamlanishi kutubxonashunoslarning adabiy merosni tizimlashtirishdagi asosiy funksiyasi hisoblanadi.

This article highlights the role and importance of quality education in the development of society, explains the concept of quality education, analyzes the relationship between education and development, and discusses the educational reforms implemented in Uzbekistan in recent years. At the same time, it also discusses existing problems and their solutions.

Ushbu maqolada o'smirlarda o'z-o'zini baholash muammosi, uning shaxs rivojlanishidagi ahamiyati va uni shakllantirish yo'llari tahlil qilingan. O'z-o'zini baholash shaxsning muhim tarkibiy qismi sifatida o'smirlik davrida faol shakllanadi va keyingi hayot yo'nalishini belgilashda muhim ahamiyat kasb etadi. Maqolada o'z-o'zini baholashning psixologik-pedagogik mohiyati, unga ta'sir etuvchi omillar, o'smirlarda o'z-o'zini baholash muammolari va ularning namoyon bo'lish shakllari, shuningdek, adekvat o'z-o'zini baholashni shakllantirish yo'llari o'rganilgan.

Moliya bozori zamonaviy iqtisodiy tizimlarda investitsiya faoliyati, risklarni boshqarish va kapital resurslarini optimal taqsimlashda muhim rol o‘ynaydi. Ushbu maqolada moliya bozori tahlili asosida samarali moliyaviy qarorlar qabul qilishning nazariy va amaliy jihatlari chuqur o‘rganilgan. Tadqiqotning asosiy maqsadi — investorlar, kompaniyalar va moliyaviy institutlar uchun moliyaviy qaror qabul qilishda moliya bozorining turli segmentlari (fond bozori, obligatsiyalar bozori, valyuta bozori, derivativlar bozori) tahlilining samaradorligini aniqlashdir. Maqolada fundamental tahlil, texnik tahlil va kvantitativ modellashtirish usullarining afzalliklari, ularning qarorlar sifatiga ta’siri tahlil qilingan. Shuningdek, so’ngi yillar oralig‘ida O‘zbekiston moliya bozorining asosiy statistik ko‘rsatkichlari tahlil etilib, fond bozorida IPOlar sonining ortishi, valyuta kursining barqarorligi va moliyaviy xizmatlar sifati bo‘yicha o‘sishlar qayd etilgan. Ushbu tahlillar asosida investorlar va boshqaruv subyektlari uchun strategik qarorlar qanday shakllanishi mumkinligi ko‘rsatib berilgan. Maqola yakunida esa raqamli texnologiyalarning (AI, Big Data, Fintech) moliyaviy tahlil vositalariga ta’siri va ularning qaror qabul qilishda kelajakdagi roli yoritilgan.