While it provides enormous opportunities for economic development, digitalization has opened the whole new dimension of cyber threats to this sector. This study researches the context of financial cybersecurity during the period from 2015 to 2024, focusing on newly arising challenges, technological development, and responses from regulators that impact the robustness of digital financial systems. Notably, our findings show that there has been major growth in cyberattacks against financial institutions, with AI-powered threats growing as much as 78

The digital transformation in the financial sector leapfrogged cybersecurity to the top of the strategic imperatives. The research investigates the complex interrelationship of cybersecurity measures with digital innovations in banks, insurance companies and financial technology firms within the period from 2015 to 2024. Mapping the shifting cyber threat and security technology landscape, the study investigates key drivers for the implementation of an effective security framework in the digital transformation of the financial industry, when an overall understanding of the highly dynamic field is urgently needed. The results indeed suggested that comprehensive cybersecurity integration was strongly and positively related to successful digital transformation outcomes. Key findings include: (1) a 35

This study examines the impact of marketing campaigns on company profitability in Uzbekistan using econometric models. The setting of Uzbekistan offers a unique vantage point given its rapidly changing marketing landscape and limited existing research. The importance of marketing to business growth and profit optimization cannot be understated. Accordingly, our study addresses this research gap by shedding light on how marketing efforts correlate with profitability in emerging economies. We employ an econometric model to tackle biases and endogeneity problems commonly found in non-experimental research designs. Specifically, a panel data model is utilized for the analysis, encompassing data from 150 Uzbek companies over a span of five years (2018-2023). Panel data models permit the study of changes over time and across entities, providing a more robust understanding of the dynamics involved. Firm profitability, the study's dependent variable, is measured using the net profit margin, an established indicator of business success.

Ҳозирги кунда жаҳон молия секторида барқарор ривожланаётган ислом молиясининг замонавий технологиялари муҳим аҳамият касб этиб келмоқда. Айни пайтда ислом молия сектори йилига 15 - 25 фоизгача ўсиб бормоқда, бу соҳадаги институтлар бутун дунё бўйлаб 2,7 триллион АҚШ долларидан ортиқ активларини бошқармоқда

This study is devoted to the analysis of the current state and prospects for improving housing finance in Uzbekistan in the period from 2018 to 2023. The purpose of the work is to identify key factors affecting the socio-economic stability of the country through the prism of housing sector development, and to develop practical recommendations for optimizing housing finance mechanisms. An analysis of the dynamics of key indicators of the housing sector in Uzbekistan for 2018-2023 revealed a positive trend in the growth of housing construction by 28.6% (from 12.3 million square meters in 2018 to 15.8 million square meters in 2023), an increase in the share of mortgage lending in the structure of housing finance from 23.4% to 41.7%, as well as an increase in the level of housing provision for the population increased from 15.9 sq.m. per person in 2018 to 17.4 sq.m. in 2023. At the same time, there are still imbalances in the territorial distribution of housing construction volumes and the availability of mortgage loans for various segments of the population. The econometric analysis showed that an increase in housing construction by 1% leads to an increase in GDP by 0.28%, and an increase in the share of mortgage lending by 1 percentage point contributes to a decrease in the unemployment rate by 0.14 percentage points.

Ушбу мақола Ўзбекистон Республикасида туризм индустрияси самарадорлигини ўрганиш бўйича илмий тадқиқотларга бағишланган. Иш доирасида туризм хизматлари экспорти, соҳада бандлик даражаси, хорижий сайёҳлар сони ўзгариши ва туризмнинг ялпи ички маҳсулот (ЯИМ) шаклланишига қўшган ҳиссаси каби асосий макроиқтисодий ва тармоқ кўрсаткичларининг кенг қамровли таҳлили ўтказилди. Корреляция ва регрессия таҳлилидан фойдаланиш ушбу кўрсаткичлар ўртасида статистик жиҳатдан муҳим боғлиқлик мавжудлигини аниқлашга, шунингдек, уларнинг туризм саноати самарадорлиги ва рақобатбардошлигини умумий оширишга сезиларли таъсирини аниқлашга имкон берди. Ижобий тенденцияларга қарамай, меҳмонхона фондининг кам бандлиги ва инфратузилмани яхшилаш зарурати каби муаммолар мавжуд. Мақолада туризм инфратузилмасини ривожлантириш, рақамли технологияларни жорий этиш, маркетинг стратегияларини оптималлаштириш ва ходимлар малакасини ошириш бўйича тавсиялар берилган.

This paper presents an in-depth exploration of big data methodologies tailored for the U.S. stock market, focusing on stock valuation, trading volumes, hedge fund strategies, and Exchange-Traded Funds (ETF) dynamics. Recognizing the exigency for refined data analysis techniques in the rapidly evolving financial sector, this study meticulously integrates big data analytics to proffer enhanced accuracy and profound insights into stock market trends and behaviors. Traditional financial analysis methods, while robust, often fall short in coping with the complexity and vastness of modern financial datasets. Big data technologies emerge as a pivotal solution, offering the ability to process and interpret extensive datasets with higher precision and speed. This research pivots around a comprehensive approach to data collection, incorporating daily, weekly, and monthly trading volumes, alongside a deep dive into the dynamics of stock prices and ETF market trends. The study leverages a substantial dataset, ensuring a robust and comprehensive analysis. In addressing the research problem, this paper critically analyzes the existing literature, unveiling a notable gap in the application of big data technologies in financial market analytics. This gap is particularly evident in the nuanced analysis of the U.S. stock market, where traditional methods may not fully capture the complexities of modern financial data. The study's contribution is significant, offering novel insights and methodologies that enhance the predictive accuracy and reliability of financial market interpretations, a boon for investors and policymakers alike. The methodology employed encompasses a suite of advanced big data tools and analytical techniques, including statistical analysis, predictive modeling, and machine learning algorithms. These are meticulously applied to the collated financial datasets, focusing on discerning patterns, trends, and potential investment opportunities within the U.S. stock market. The research goes beyond mere data collection, offering a nuanced analysis that includes a detailed examination of market dynamics, stock performance predictions, and the identification of anomalous market behaviors.

The burgeoning proliferation of Artificial Intelligence (AI) technologies has engendered a transformative shift in various industries, and digital marketing is not an exception to this trend. The thrust of this paper is to explore, analyze, and conceptualize the multi-dimensional impact of AI on digital marketing strategies using Neutrosophic set. By employing statistical mechanics and stochastic models, we aim to delineate the underlying mechanisms that facilitate the operational synergy between AI algorithms and marketing frameworks in the light of Neutrosophic analysis. We invoke the concept of AI-Enabled Marketing Efficiency (AIME), which we define as AIME =(ROI{AI} - ROI{Traditional} )(Time{AI} ) , to assess the quantitative aspects of this interaction. Our empirical findings suggest that AI integration could enhance marketing campaign effectiveness by approximately 27% (p 0.05) while reducing human-led execution time by 33%. We further discuss the ethical implications of AI-driven decision-making in digital marketing, such as the potential for reinforcing societal biases and the abuse of personal data. Artificial Intelligence has been an area of extensive research and development, permeating through diverse sectors including healthcare, finance, and now more prevalently, digital marketing. While the application of AI in digital marketing is not a nascent concept, the nuanced interplay between the two remains largely underexplored. We leverage neutrosophic set theory as a powerful analytical tool to investigate the transformative effects of Artificial Intelligence on various digital marketing tactics and strategies.

Молиявий саводхонлик – бу инсон ва жамият фаровонлигига сезиларли таъсир кўрсатиши мумкин бўлган муҳим маҳорат.

The dynamism and complexity inherent in today's financial markets necessitate sophisticated predictive analytics tools that can facilitate decision-making in real-time. However, traditional forecasting methodologies often fall short in harnessing the vast volumes of real-time data generated by these markets. This study introduces a transformative approach, known as the Real-time Big Data Financial Forecasting Model (), which amalgamates real-time analytics, big data technologies, and machine learning algorithms to predict financial market trends. Through a robust computational architecture that efficiently processes and analyzes high-frequency trading data, the RBDF^2M model aims to provide accurate and timely forecasts of asset price movements. Employing time-series analysis techniques, particularly Autoregressive Integrated Moving Average (ARIMA) and Long Short-Term Memory (LSTM) networks, this model is tested across multiple financial instruments to evaluate its predictive efficacy. Our results indicate a substantial improvement in forecast accuracy compared to conventional methodologies, along with significant reductions in computational latency. The research further explores the implications of these findings, notably the potential for augmented trading strategies and risk management protocols. Finally, the paper discusses the ethical considerations associated with the deployment of such advanced predictive systems in financial markets, arguing for the necessity of regulatory frameworks to mitigate the risks of market manipulation and systemic failure.

The conceptual study aims to answer crucial questions like the relationship between social media exposure and mental health outcomes. The current research gap is provided by reviewing existing studies and providing clear evidence that unregulated and unlimited social media poses a threat to enterprises and individuals, with potentially lasting consequences to psychological wellbeing, pointing towards the need for strategic interventions and policy developments to mitigate these adverse effects. Building upon insights into the work environment and employee psychology, these findings are valuable for leaders and managers. They enhance understanding of how employee perceptions of their work environment, intrinsic and extrinsic work-related attitudes, and psychological wellbeing collectively influence job performance. While existing literature has explored various leadership styles, the specific moderating impact of the supervisor’s role on job satisfaction and performance requires further study.

IoT (Internet of Things) covers network-connected devices that can improve various aspects of our lives. Every second in the world, 127 new devices join the internet. According to some estimates, by 2025, there will be 64 billion such "smart" devices. This is a significant jump when compared with 2018 when there were 10 billion of them. IoT gadgets are such touch points that collect information about the environment. They share data through the cloud, where they are analyzed to transform people's businesses and daily lives. In particular, technology has already penetrated deeply into the world of Finance. Today, there is no need to visit banks often. However, sometimes a visit is unavoidable. IoT is designed to help make it more convenient for customers. For example, queues are common for many financial institutions. IoT tools can quickly find the most suitable bank consultant. In this case, the customer enters their problem into the original equipment, then they are issued a ticket with information about the specialist, then the device notifies them when it is their turn. IoT allows bank managers to reduce the number of employees, and maintenance costs, and at the same time reduce the waiting time for the client. BMO Harris Bank has tested a "smart" branch, where instead of real employees – chatbots. In case of unexpected questions, chatbots contact a real consultant using video conferencing tools.

Sustainable socio-economic development today is one of the most important problems of mankind. The essence of “sustainable development” is to maximize the economic and social benefits from the development of the national economy system, provided that the environment is protected and natural resources are reproduced in the long term. In an economic sense, sustainable development means not only the growth of the national economy and an increase in per capita income, but also the improvement of all elements of social security. The problem of the balance between economic development and environmental security today appears as a global problem on the solution of which the future of mankind depends.

The transformative potential of tourism as an economic driver has been the subject of extensive academic research. In the context of transitional economies, this relationship assumes a more nuanced role, with tourism acting as both a catalyst and a product of regional development. Among transitional economies, Uzbekistan presents a unique case study characterized by its burgeoning tourism industry and robust policy frameworks aimed at regional development. This paper aims to analyze the multifaceted role of tourism in catalyzing regional development in Uzbekistan. Employing a mixed-methods approach, the study triangulates findings from econometric modeling, surveys, and qualitative interviews. The purpose of our interdisciplinary research is to evaluate the direct and indirect impacts of tourism on regional economic parameters, including but not limited to GDP growth, employment rate, and infrastructure development. Our econometric model analyzes time-series data from 2000 to 2021 and employs several control variables to isolate the economic impact attributable to tourism. This quantitative inquiry is further enriched by qualitative data sourced through semi-structured interviews with stakeholders in the tourism industry, policy makers, and local communities. Our findings indicate that tourism in Uzbekistan acts as a catalytic agent for regional development in multiple dimensions. Not only does it contribute directly to GDP growth and employment but also plays a significant role in cultural preservation, infrastructural improvements, and enhancing social capital. Furthermore, our analyses unveil the essentiality of sustainable tourism policies in amplifying these positive impacts while mitigating potential negative externalities. Therefore, the study’s outcomes bear substantial implications for policymakers, suggesting that a nuanced approach in tourism management could serve as a key strategy in holistic regional development.

Мақолада ислом молиявий институтлари учун бухгалтерлик ҳисоби ва аудит бўйича ташкилот томонидан қабул қилинган Ахлоқ кодекси ҳақида сўз боради. Алоҳида эътибор манфаатлар тўқнашуви билан боғлиқ қарорлар қабул қилишда бухгалтерлар амал қиладиган “маслаҳат” принципига қаратилган. Шунингдек, ижтимоий жавобгарлик, ҳисобдорлик ва ахборотни ошкор қилишга доир қарашлар ислом бухгалтерия ҳисоби томонидан кўриб чиқилган. Ушбу мақолада бухгалтерия ҳисобининг ижтимоий аҳамияти, унинг ажралмас қисми бўлган ахлоқ ҳамда ҳисоб принциплари ва амалиётига маънавий соҳанинг таъсири масалаларига алоҳида эътибор қаратилган. Бухгалтерия ҳисоби ривожланишининг ижтимоий, ахлоқий ва маънавий жиҳатлари ислом бухгалтерия ҳисоби модели мисолида кўриб чиқилган. Ҳозирги даврда мазкур модел диний омилнинг кучли таъсири остида шаклланган ва ривожланаётган моделдир. Ислом жамиятида бухгалтерия ҳисоби назарияси, асосан, ислом қонун-қоидаларига таянади, лекин у шариатга зид бўлмаган бошқа принципларга ҳам асосланиши мумкин.

Мазкур мақола глобаллашув шароитида халқаро меҳмонхоналар тизимининг ривожланиши ва уларнинг бугунги кундаги аҳамиятига бағишланган. Миллий меҳмонхоналар бозоридаги рақобатбардошлигини ошириш учун халқаро меҳмонхоналар тизимини йўлга қўйиш масаласи ҳам кўриб чиқилган. Чет эллик турист танловини ўзи учун таниш тизимга қаратади, шу сабабли бундай тизимларни жалб қилиш мамлакатда туристик жозибадорликни оширишга хизмат қилиши мумкин. Мазкур тизимнинг бугунги кундаги кўлами ҳам таҳлил қилинган. Бундан ташқари, мамлакатимизда туризм соҳасини ривожлантиришда халқаро меҳмонхоналар тизимининг аҳамияти ва уни республикада жорий қилишга бағишланган илмий тавсиялар келтириб ўтилган.

The process of digitization, which followed the era of the Third Industrial Revolution, facilitated a new era called “Industry 4.0” (the 4th Industrial Revolution). Based on the dynamics of Industry 4.0 development, the Tourism 4.0 concept now reinforces the perception of technology-based changes in the tourism industry that are highly interconnected and similar to figital (real-world and digital technology combinations) systems. Therefore, the purpose of this study is to identify the potential impacts (positive and negative) of Industry 4.0 and its components in the tourism industry, to study and to analyze the stages of development of tourism in the context of “Industry 4.0” and web technologies, as well as to suggest relevant proposals for the integration of tourism into technologies of “Industry 4.0”. The study also highlights the importance of training smart device and software developers in the field of tourism and the development of conceptual, technical and innovative skills of industry professionals in the management of technological infrastructure.

At the end of the twentieth century - the beginning of the 21st century the transformation of the world system of international economic relations occurs primarily under the influence of global trends. Globalization as the growth of mutual influence and interdependence between the countries of the world, the interweaving of their economies has become the main megatrend of world development. Modern concepts of economic development reflect these global trends, as well as containing possible solutions to global problems facing humanity. Global issues have led to a change in views on the concepts of economic development, problems have begun to be investigated comprehensively. A young science of Globalism has emerged, studying the essence, laws and trends of globalization.

Until the twentieth century, there were no stable forms of financial institutions in the Muslim world that could be defined as "banks". The first banks, in their classical form, owned by Muslims (the corporate "majority") began to appear after the 1920s. The collapse of the colonial system after the Second World War led to the emergence of new states, including Muslim ones. These states needed their own financial systems - this is how the first national banking institutions of Muslim countries began to appear. Since the second half of the 20th century. In the Muslim world, primarily in the Middle East, a process called "Islamic revival" is beginning - a term that denotes various types of spreading or strengthening of Islam. An important role in this was played by the religious concept - tajdid, which was manifested throughout the history of Islam in periodic calls for the restoration of basic religious principles in public relations.