Ushbu maqolada adib Shukur Xolmirzayevning ijodkorlik mahorati, “Odam”, “Ota yurt”, “Ot egasi” hikoyalaridagi hayot manzarasi, insonlar taqdiri, ular qalbidagi ruhiy kechinmalar va falsafiy mushohadalar tadqiq etildi.

This article delves into the transformative impact of embedded finance on the financial services industry in 2025. It explores how the integration of financial services into non-financial platforms is reshaping consumer experiences, business models, and the broader economic landscape. Drawing on recent data, case studies, and expert analyses, the piece examines the drivers of growth, challenges, and future prospects of embedded finance.

This article explores how artificial intelligence (AI) is revolutionizing credit risk assessment in financial technology (Fintech) lending platforms. By analyzing large datasets in real-time, AI systems enhance accuracy, reduce bias, and expand access to credit. The research incorporates global insights from organizations like the IMF, World Bank, and BIS, along with examples from emerging Fintech ecosystems, including Uzbekistan. The paper also examines regulatory challenges, data privacy concerns, and practical recommendations for implementing AI in a responsible and inclusive way.

Ushbu maqola Faxriyor she’riyatida oy obrazining qo‘llanilishi va uning she’rda ifodalangan mazmun mohiyati haqida. Ushbu maqolaga Faxriyorning "Ayolg‘u" she’riy kitobi asosiy manba qilib olindi.

Ushbu maqolada bo‘lajak pedagoglarning reflektiv faoliyatini rivojlantirishning nazariy asoslari tahlil qilinadi. Shuningdek, refleksiya, umume’tirof qilingan pedagogik-psixologik hodisa sifatida, bo‘lajak o‘qituvchining kasbiy-pedagogik pozitsiyasining tarkibiy qismi sifatida tahlil qilingan.