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.

Данная статья посвящена исследованию применения мелкозернистых бетонов в транспортном строительстве с использованием местных сырьевых материалов. Рассмотрены ключевые характеристики мелкозернистого бетона, включая его прочность и долговечность, а также преимущества, которые дает использование местных материалов. В статье анализируются экономические и экологические выгоды применения местных ресурсов, а также современные методы улучшения качества бетонов, такие как использование добавок и новых технологий. Автор приходит к выводу, что использование местных сырьевых материалов может значительно снизить стоимость строительства, повысить его экологическую устойчивость и способствовать экономическому развитию региона.

Ushbu maqola orqali manbalarni tadqiq qilishning asosiy jihatlari bo’lgan aniqlash, tiklash, tahlil qilish usullarning amaliy ahamiyati haqida fikr yuritiladi.

Ushbu maqolada zamonaviy raqamli texnologiyalarning tarix ta’limida tutgan o‘rni, ularning ta’lim jarayoniga ta’siri, afzalliklari va qo‘llanilish turlari ilmiy-nazariy asosda tahlil qilingan. Shuningdek, interaktiv metodlar, onlayn platformalar va raqamli resurslardan foydalanishning samaradorligi yoritilgan. XXI asrda insoniyat taraqqiyotining ajralmas qismiga aylangan raqamli texnologiyalar deyarli barcha sohalarda keng qo‘llanilmoqda. Ta’lim tizimi ham bundan mustasno emas. Ayniqsa, ijtimoiy fanlar qatorida muhim o‘rin tutadigan tarix fani o‘quvchilarda tanqidiy fikrlash, tahlil qilish va saboq chiqarish ko‘nikmalarini shakllantiradi. Shu nuqtayi nazardan, raqamli texnologiyalarning tarix darslariga integratsiyasi bu fanning o‘zlashtirilishini yengillashtiradi, uni ko‘proq hayotiy va jonli qiladi.

O‘zbek xalqining qadimiy tarixida ayol timsoli har doim muqaddas sanalgan. Ayniqsa, “ona” so‘zi nafaqat biologik ma’noda, balki xalqning ruhiy-ma’naviy hayotida, madaniy merosida yuksak martabaga ega bo‘lgan. Shu jumladan, “Xumay ona” timsoli xalq og‘zaki ijodi, afsona, doston va tarixiy manbalarda o‘ziga xos o‘rin egallaydi. Bu timsolning ildizlari turkiy xalqlarning qadimiy dunyoqarashiga, mifologiyasiga va ruhiy qadriyatlariga borib taqaladi. “Xumay ona” obrazi orqali xalqimizning ayolga, onaga bo‘lgan munosabati, himoya, mehr-oqibat va sabr-toqat timsoli sifatidagi qarashlarini ko‘rish mumkin. Mazkur maqolada Xumay ona timsolining kelib chiqish manbalari, u bilan bog‘liq afsona va rivoyatlar, adabiy asarlarda qanday talqin etilgani hamda u orqali xalq ma’naviyatida shakllangan qadriyatlar yoritiladi.