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.

Ushbu maqolada O‘zbekiston Respublikasi Adliya vazirligining mustaqillik yillaridagi shakllanishi, faoliyat yo‘nalishlari, islohotlar va taraqqiyot bosqichlari tahlil qilinadi. Davlat boshqaruvi va huquqiy tizimni takomillashtirishdagi roli, huquqiy davlat asoslarini mustahkamlashdagi hissasi yoritilgan.

В статье рассматриваются односоставные предложения как явление, часто встречающееся в русской поэзии. Анализируются их функции, стилистическое значение и влияние на ритмику и выразительность текста. Приводятся примеры из произведений русских поэтов, иллюстрирующие использование различных типов односоставных предложений.

Mazkur maqolada globallashuv va raqamlashuv jarayonlari tadbirkorlik faoliyatiga kuchli ta’sir ko‘rsatishi, ayniqsa, raqamli marketing imkoniyatlari orqali mahsulot va xizmatlarni jahon bozoriga olib chiqish omillari ko’rib chiqilgan. Raqamli texnologiyalar vositasida tadbirkorlar mijozlar bilan yaqin aloqada bo‘lishi, tadbirkorlik faoliyati samaradorligini oshirishda qanchalik muhim ekanligi tahlil qilingan. Bu maqolada Amerika Qo‘shma Shtatlari, Germaniya, Yaponiya, Rossiya va O‘zbekiston, Qozog‘iston, Qirg‘iziston, Tojikiston hamda Turkmanistonda tadbirkorlikda raqamli marketingdan foydalanishning innovatsion yondashuvlari va yo‘nalishlari tahlil qilingan.

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.