The emission spectra of quantum-well CdSe/ZnSe heterostructures with quantum dots were determined by an optical method. CdSe/ZnSe heterostructures with quantum dots were grown at different temperatures; therefore, surface and deep-level minibands corresponding to the compositions of the structure were determined in the emission spectra. In the photoluminescence spectra, the shift of the radiative spectra is determined depending on the temperature of the grown quantum-size structures.

This article examines the importance of retail banking services in banking, the scientific and theoretical foundations of retail banking services, and the practice of their development in advanced foreign practices. Also, based on the importance of information technologies in the development of retail services, the possibilities of their wide use were considered.

This article is dedicated to justifying the necessity, importance and relevance of the organization of the compliance control system in the economic sectors of our country, including the activities of commercial banks.

This article talks about the collection, research and current status of Karakalpak traditional folk songs, folklore and genres.

This article provides comments on increasing competitiveness in higher education institutions. Opinions about the types of competition are put forward. The role of competition in innovative activity is revealed. Reforms in this regard are of particular importance in higher education.