This article examines the growing role of financial technologies (fintech) in driving economic development in emerging economies, with a focus on Uzbekistan. Fintech expands financial inclusion, supports SMEs, and introduces new models of payments, lending, and investment, thereby accelerating digital transformation and innovation. The paper reviews Uzbekistan’s fintech evolution from early financial reforms to recent initiatives in digital payments, mobile banking, and e-commerce while highlighting challenges such as regulatory gaps, cybersecurity, and financial literacy. Comparative lessons from India, Kenya, and China illustrate fintech’s broader impact on development. Finally, the study recommends strengthening regulation, improving digital infrastructure, enhancing consumer protection, and promoting regional cooperation. It concludes that fintech is not just a technological advance but a transformative tool for inclusive growth and global integration.

Аортокоронарное шунтирование (АКШ) является одним из наиболее эффективных и часто выполняемых вмешательств в кардиохирургии, направленным на реваскуляризацию миокарда у пациентов с ишемической болезнью сердца. Успех данной операции и ее отдаленные результаты в значительной степени детерминированы не только тяжестью атеросклеротического поражения, но и глубоким пониманием хирургом индивидуальных анатомических особенностей сердца и венечных артерий. В настоящем обзоре систематизированы данные о хирургической анатомии коронарного русла, включая описание типичного строения и клинически значимых вариантов артериальной системы.

This article provides a comprehensive analysis of the scientific and methodological foundations for implementing quality management systems in meat and meat product manufacturing enterprises. The requirements and mechanisms of ISO 9001:2015, ISO 22000, HACCP, and GMP standards, as well as their applicability in the context of Uzbekistan, are examined. The study highlights how the introduction of quality management systems can enhance competitiveness, expand export potential, and ensure sustainable food safety in the domestic market.

Ushbu maqola STEAM (Science, Technology, Engineering, Arts, Mathematics) taʼlim yondashuvining maktabgacha taʼlim muassasalaridagi qoʻllanishi va samaradorligini oʻrganadi. Tadqiqot adabiyotlar tahlili asosida STEAM texnologiyasining bolalarning kognitiv rivojlanishi, ijodiy qobiliyatlari va muammolarni yechish koʻnikmalariga taʼsirini baholaydi. Maqola zamonaviy maktabgacha taʼlim tizimida STEAM yondashuvining ahamiyati va uning amaliy tatbiqi masalalarini koʻrib chiqadi.

Ushbu maqolada antibiotiklardan noto‘g‘ri foydalanish natijasida bakteriyalarda rivojlanadigan rezistentlik muammosi yoritilgan. Maqolada antibiotiklardan noto‘g‘ri foydalanishning asosiy sabablaridan tortib, rezistent bakteriyalarning shakllanish mexanizmlari, misollari va ularning inson salomatligiga ta’siri batafsil tahlil qilingan. Shuningdek, antibiotik rezistentligini kamaytirish va oldini olishning samarali choralariga — oqilona dori qo‘llash, vaksinatsiya, gigiena va yangi davolash usullarini ishlab chiqish kabilariga e’tibor qaratilgan. Maqola talabalarga, tibbiyot xodimlariga va keng jamoatchilikka antibiotiklar va ularning oqilona ishlatilishi muhimligini tushuntirishga xizmat qiladi.