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.

Der Artikel untersucht die aktuellen politischen Maßnahmen zum Klimaschutz und bewertet deren Wirksamkeit im Kontext nationaler und internationaler Umweltpolitik. Im Mittelpunkt stehen das Pariser Klimaabkommen, der europäische Green Deal sowie das deutsche Klimaschutzgesetz. Die Analyse basiert auf politischen Strategien, statistischen Daten und wissenschaftlichen Studien. Die Ergebnisse zeigen zwar Fortschritte beim Ausbau erneuerbarer Energien, aber auch erhebliche Defizite in Bereichen wie Verkehr und Industrie. Die Diskussion hebt hervor, dass eine konsequente Umsetzung, internationale Kooperation und gesellschaftliche Beteiligung unerlässlich sind, um die Klimaziele zu erreichen.

Yashil kimyo zamonaviy kimyoviy sintezga innovatsion yondashuvni ifodalaydi va atrof-muhitga minimal zarar yetkazuvchi texnologiyalarni ishlab chiqishga qaratilgan. Ushbu maqolada ekologik jihatdan xavfsiz sintez usullarini qo‘llash samaradorligi tahlil qilinib, atom iqtisodiyoti, hal qiluvchi (solvent) ishlatilmaydigan reaksiyalar va katalitik tizimlardan foydalanish orqali chiqindilar hosil bo‘lishining oldini olish imkoniyatlari ko‘rib chiqiladi. Biokataliz, mikroto‘lqinli nurlanish yordamida sintez va superkritik suyuqliklar kabi muqobil reaksiya usullari ekologik va iqtisodiy samaradorlik nuqtayi nazaridan baholanadi. Sanoat va ilmiy tadqiqot muhitida yashil kimyo tamoyillarini integratsiyalash natijasida energiya samaradorligi, resurslardan oqilona foydalanish va xavfli moddalarning kamayishi kabi muhim yutuqlarga erishilmoqda. Shuningdek, turli sintez yo‘llarining ekologik ta’sirini miqdoriy baholash maqsadida hayotiy sikl tahlili usullari qo‘llaniladi. Tadqiqot davomida zararli reagentlar o‘rniga barqaror muqobillar qo‘llangan muvaffaqiyatli yashil sintez strategiyalarining amaliy misollari tahlil qilinadi.

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.

Maqolada pedagog shaxsida kasbiy qoniqqanlikni shakllantiruvchi psixologik, ijtimoiy va tashkiliy omillar keng qamrovda tahlil qilingan. Ichki motivatsiya, self-efficacy, emotsional barqarorlik hamda tashqi omillar – mehnat sharoitlari, jamiyatning munosabati, boshqaruv muhitining roli chuqur yoritilgan. Empirik tadqiqotlar asosida kasbiy qoniqqanlik darajasiga ta’sir etuvchi omillar aniqlangan va ularni yaxshilash bo‘yicha amaliy takliflar berilgan.