Ushbu maqolada bioparchalanuvchi polimerlarga qo‘yiladigan xalqaro standartlar, ularning asosiy tamoyillari va ekologik baholash mezonlari tahlil qilinadi. Polimer materiallarning biologik parchalanish qobiliyatini baholashda qo‘llaniladigan eng muhim standartlar – ASTM D6400, EN 13432, ISO 17088 va boshqalar yoritiladi. Maqolada, shuningdek, ushbu standartlarning global amaliyotdagi o‘rni va ularni joriy etishdagi muammolar ko‘rib chiqilgan.

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.

In recent decades, the prevalence of allergic respiratory diseases, such as asthma and allergic rhinitis, in children has been rising at an alarming rate. One of the key contributors to this trend is climate change, which has altered environmental conditions, exacerbating the frequency and intensity of allergens such as pollen, mold, and air pollutants. This paper examines the dynamics of the increasing incidence of allergic respiratory diseases in children under the conditions of climate change. It explores the key environmental factors-such as rising temperatures, longer pollen seasons, and worsening air quality-that contribute to this growing health concern. The paper also delves into the vulnerability of children, whose developing immune and respiratory systems make them more susceptible to environmental stressors. In addition, it emphasizes the importance of preventive measures, including environmental regulation, early detection, allergen avoidance strategies, and public health policies aimed at reducing exposure to harmful environmental factors.

Boshlang‘ich sinflarda matematika fanidan sinfdan tashqari ishlarning o‘rni, ahamiyati va ularni tashkil etish metodikasi keng yoritilgan.

Mazkur maqolada yopiq va ochiq axborot tizimlari va resurslarini yagona axborot makonida integratsiyalashning konseptual va amaliy asoslari keng qamrovda tahlil etiladi. Integratsiyalash modeli doirasida axborot almashinuvi, tizimlararo moslashuvchanlik (interoperabilitet), xavfsizlik strategiyalari, huquqiy va axloqiy masalalar, texnik arxitektura hamda standartlashtirish muammolari har tomonlama ko‘rib chiqiladi. Yopiq tizimlarning ishonchlilik va maxfiylik talablari bilan ochiq tizimlarning ochiqlik, innovatsion yondashuv va shaffoflik prinsiplari o‘rtasida muvozanatni ta’minlash modelning markaziy vazifasidir. Tahlil davomida SOA (Xizmatga asoslangan arxitektura), API Gateway, ETL texnologiyalari, axborot xavfsizligi protokollari, va mashina-o‘qilishi mumkin bo‘lgan interfeyslar kabi zamonaviy texnik yechimlar misolida amaliy yondashuvlar yoritiladi. Ushbu maqola ilmiy izlanishlar, davlat va korporativ axborot infratuzilmalari hamda raqamli transformatsiya loyihalari uchun zaruriy nazariy va metodologik asosni shakllantiradi.