This article examines the impact of digital technologies on the development of listening skills in English language learning. It highlights the role of digital tools such as educational applications, podcasts, multimedia resources, online platforms, and artificial intelligence in improving listening comprehension. The study discusses how technology enhances learner motivation, provides access to authentic materials, supports autonomous learning, and creates personalized learning opportunities. The article also addresses several challenges related to the use of technology in education. The findings indicate that digital technologies can significantly improve listening skills and contribute to more effective and engaging language learning when integrated appropriately into the teaching process.

This article examines the impact of digital technologies on the development of listening skills in English language learning. It highlights the role of digital tools such as educational applications, podcasts, multimedia resources, online platforms, and artificial intelligence in improving listening comprehension. The study discusses how technology enhances learner motivation, provides access to authentic materials, supports autonomous learning, and creates personalized learning opportunities. The article also addresses several challenges related to the use of technology in education. The findings indicate that digital technologies can significantly improve listening skills and contribute to more effective and engaging language learning when integrated appropriately into the teaching process.

This study offers an extensive examination of the literary career and artistic legacy of Utkir Hoshimov, one of the most influential representatives of modern Uzbek literature. The article investigates the evolution of his creative work across different historical periods, focusing on his prose, drama, and publicistic writings. Particular emphasis is placed on his exploration of moral philosophy, psychological realism, and socio-cultural transformation. By applying a multidisciplinary approach that combines literary theory, historical context, and textual analysis, the study demonstrates that Hoshimov’s works function both as aesthetic achievements and as critical reflections of Uzbek society. The findings reveal that his contribution lies not only in thematic richness but also in the development of narrative techniques that bridge traditional and modern literary paradigms.

Ushbu maqolada zamonaviy travmatologiya va ortopediyada sun’iy intellekt (SI) hamda mashinali o‘qitish (Machine Learning) texnologiyalarini diagnostika jarayoniga tatbiq etish masalalari yoritilgan. Rentgenografiya, kompyuter tomografiyasi (KT) va magnit-rezonans tomografiyasi (MRT) tasvirlarini tahlil qilishda SI algoritmlarining o‘rni, suyak sinishlarini aniqlash tezligi va aniqligi sub’ektiv xatoliklarni kamaytirish nuqtai nazaridan tahlil qilingan. Shuningdek, travmatologiyada SI tizimlarining klinisyenlar faoliyatidagi samaradorligi, mavjud muammolar va istiqbolli yo‘nalishlar muhokama qilingan.

Mazkur maqolada tijorat banklarida ipoteka kreditlash amaliyotining iqtisodiy mazmuni, zamonaviy rivojlanish tendensiyalari va uni takomillashtirish yo‘nalishlari “Ipotekabank” OTP Group misolida tadqiq etilgan. Tadqiqot davomida O‘zbekiston ipoteka kreditlari bozorining rivojlanish dinamikasi, bankning ipoteka kreditlari portfeli, kreditlarning tavakkalchilik bosqichlari bo‘yicha tarkibi, moliyalashtirish manbalari va kreditlash jarayonining institutsional xususiyatlari tahlil qilingan. Tahlillar “Ipotekabank” OTP Group mamlakat ipoteka bozorida yetakchi o‘rinlardan birini egallashini ko‘rsatgan bo‘lsa-da, kredit portfelida ikkinchi bosqichga o‘tgan kreditlar ulushining ortishi, uzoq muddatli moliyalashtirish manbalariga ehtiyoj, kreditga layoqatlilikni baholash va ko‘chmas mulk qiymatini aniqlash jarayonlarini raqamlashtirish zarurati mavjudligini ko‘rsatdi. Maqolada avtomatlashtirilgan skoring, ko‘chmas mulkni avtomatik baholash, riskka asoslangan foiz stavkalari, elektron garov xatlari, ipoteka aktivlarini qayta moliyalashtirish hamda yashil ipoteka mahsulotlarini joriy etish bo‘yicha ilmiy-amaliy takliflar ishlab chiqilgan.