This scientific article is dedicated to the analysis of blockchain technology application in various sectors of the national economy. The article examines the advantages of blockchain, decentralized management systems, and the potential for ensuring security and transparency. It also analyzes the use of this technology in finance, industry, agriculture, healthcare, education, and other sectors, as well as the experience of its implementation in Uzbekistan. The relevance of the study lies in the fact that blockchain technology can enhance the efficiency of the national economy and promote digital transformation

This paper examines the implementation of blockchain technologies in the payment systems of commercial banks and evaluates their impact on operational efficiency, security, and transaction speed. Using systematic, comparative, and empirical methods, the study assesses the technological components of blockchain, its integration with payment processes, and its economic benefits. The findings demonstrate that blockchain-based mechanisms reduce payment costs, mitigate fraud risks, and enhance automation in interbank settlements

The article analyzes the processes of digital transformation of the banking system of the Republic of Uzbekistan in recent years, achievements, and current pressing issues. The study examined the role of the digital economy in the activities of commercial banks, in particular, the role of Big Data technologies and online platforms, their significance in increasing banking efficiency, and innovative approaches such as blockchain. Based on the theoretical approaches of scientists to assessing banking efficiency, the skills of banks in minimizing costs and optimizing profits are emphasized. In conclusion, the necessity of forming a digital transformation ecosystem in Uzbekistan, expanding the fintech infrastructure, and increasing the competitiveness of the banking system through the implementation of international standards has been put forward

This article examines the digital transformation of Islamic financial instruments, the methodological framework for their implementation in Uzbekistan, and their alignment with international best practices. The study demonstrates that digital technologies including blockchain, smart contracts, tokenization, e-KYC, and API integration enhance transparency, operational efficiency, and Shariah compliance in Islamic financial operations. A comparative assessment of Malaysia, the UAE, and Saudi Arabia provides insights into the legal, technical, and methodological requirements needed to develop a national digital Islamic finance model. The findings highlight the importance of establishing digital Shariah audit mechanisms, defining the legal status of smart contracts, developing tokenization regulations, and creating a Shariah-compliant fintech ecosystem to ensure sustainable sectoral development

This article analyzes the issues of establishing a competitive environment in the public procurement system. It examines Uzbekistan’s legal framework, the role of electronic procurement platforms, and digitalization processes aimed at improving transparency and efficiency in tender procedures. The paper also explores existing challenges, such as non-transparent procurement, affiliated companies, and lack of open data. Based on international experience, the study proposes practical recommendations, including the use of blockchain, automated evaluation technologies, and the strengthening of public monitoring.

The paper addresses the issues of improving the budget treasury system in the context of an innovative economy, with a focus on the introduction of digital technologies. It analyzes modern approaches to the automation of treasury processes, the use of electronic payment systems and blockchain technologies, as well as the role of cloud solutions in enhancing the transparency and efficiency of public finance management. The paper discusses the challenges and barriers faced by developing countries, including Uzbekistan, in integrating these technologies. Based on the analysis of international experience, recommendations for improving the treasury system are proposed, including legal adaptation, the development of human resources, and infrastructure improvement. The study aims to identify the factors that contribute to the successful integration of innovations in the financial sector and ensure the sustainability of the budget system.

With the rapid development of technologies and the intensification of global competition, the importance of digital processes in all spheres of human life is increasing. It will not be a mistake to say that the use of digital technologies in all aspects of socio-economic life, starting with the public administration system, has become a key factor determining the development and future of the industry. The article pays special attention to the scientific substantiation of the main trends and historical stages of the formation of the digital economy, the processes that determined its development, as well as the general characteristics of the modern economic system. In addition, against the background of the progressive development of digital technologies and their integration into the global economy, the main trends in the development of the digital economy are recently analyzed and appropriate conclusions are made. The study considers the state of the world market, the balance of supply and demand, as well as the contribution of modern economic knowledge and digital technologies to trade. The impact of such trends as artificial intelligence, big data, cloud technologies, blockchain, cryptocurrencies, mobile technologies, e-commerce and digital financial services on economic efficiency will be considered, and proposals will be put forward on the state of development of the digital economy, current problems and main areas of prospects using the example of Uzbekistan.

This article analyzes the role and development trends of modern financial technologies — fintech services — in international markets. The author highlights the emergence of fintech technologies in the context of the digital economy, the reasons for their global expansion, and their impact on the financial services sector. Based on a regional analysis, the article examines the specific features of fintech development in various regions (North America, Europe, the Asia-Pacific region, and LAMEA). Using the examples of major fintech companies such as PayPal, Stripe, Revolut, and Ant Group, the article emphasizes the expansion of digital payments, open banking, blockchain technologies, and services based on artificial intelligence. Drawing on statistical data and international experience, the article identifies the key advantages of fintech services, including high speed, cost reduction, financial inclusion, and the provision of innovative products. The conclusion highlights the prospects for further development of the fintech sector and the need for cooperation between technological innovation and state regulators. The article is of both theoretical and practical interest for banking professionals, participants in the financial services market, and those involved in the digitalization of the economy.

This article highlights the importance of introducing digital technologies and blockchain systems in increasing the efficiency of innovative processes in the activities of commercial banks and ensuring competitiveness. The role of modern information technologies, in particular blockchain platforms, in the process of digitizing the bank lending system, their functional capabilities, level of security and efficiency of use are analyzed. The article also details the trends in the digitalization of the economy, the spread of mobile and Internet services, the share of the ICT sector in GDP, and the development of e-commerce. The need to use economic and mathematical (econometric) models in assessing and forecasting economic processes is substantiated.

The article examines the features of the development of global trade in the context of rapid digital changes and institutional transformations. The key factors and mechanisms that determine the digitalization of trade processes, as well as institutional barriers that impede countries' equal access to digital opportunities are studied. Particular attention is paid to the problem of digital inequality, which limits the integration of individual states into international trade networks and reduces their competitiveness. Such digitalization drivers as the development of digital infrastructure, the use of artificial intelligence, blockchain technology and big data processing are analyzed. The risks of the digital divide and its implications for the sustainability of global trading systems are revealed. Strategic directions for the formation of an inclusive and secure digital trading environment are proposed.

This article presents views on financial management and the results obtained through the application of modern information technologies in it. It also describes the importance of the application of information technologies to management processes in the financial system in increasing the efficiency of modern financial institutions, improving the quality of services and gaining customer trust, and describes the main types of their application in the financial system.