Major financial crises often have widespread impacts beyond the economic fallout. This article examines the influence of crises like the Global Financial Crisis (GFC) of 2008 on consumer behaviour and market dynamics. It analyzes changes in spending patterns, preferences, and brand loyalty using quantitative data from surveys as well as financial and firm reports. Key theories linking wealth effects and uncertainty with consumption are also explored. Research into this topic has been done to have a more clear view about the buying behavior and market condition. There also have been made conclusions how to deal with the market and consumers if the identical crisis happens.

Ushbu maqola raqamli makonda bola huquqlarining himoyasi milliy va xorijiy qonunchilikda qay darajada aks etganligi chuqur va atroflicha tahlil qilingan. Qolaversa, ushbu sohada amalga oshirilayotgan ishlar va ularning qay darajada samaradorligi keltirib o’tilgan. Shuningdek bola huquqlarini raqamli texnologiyalarda xavsizlik va maxfiylik choralarni ko’rish haqida davlatlarning tajribasi ham yoritib o’tilgan. Internet tizimida bola huquqlarining himoya qilish sohasida davlat uchrashi mumkin bo’lgan asosiy muammolar tahlil qilingan hamda ushbu muammolarni hal qilish yuzasidan tegishli takliflar ishlab chiqilgan. Milliy qonunchiligimizda ham bola huquqlarining himoyasi bo’yicha ko’rilayotgan chora-tadbirlar haqida ham fikirlar bildirilgan.

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.

Ushbu maqolada ta‘lim muassasalarida o‘qitish metodikasining dolzarb muammolari tahlil qilinadi. Maqolada zamonaviy pedagogik yondashuvlar, interaktiv ta‘lim metodlarining ahamiyati, ta‘lim va tarbiyaning integratsiyasi, o‘qituvchilar va o‘quvchilar o‘rtasidagi aloqalarning zaifligi kabi masalalar ko‘rib chiqiladi.

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.