The article examines the digitalization of business processes of trade services in the context of the development of the digital economy, the formation of a digital business environment based on a new format of interaction between market subjects in the formation of new consumer behavior and the transformation of the traditional business model into an omnichannel development format. The development of a digital business model for increasing the competitiveness of trade services has been proposed, allowing for the formation of digital resources and infrastructure for organizing trade services

This article explores and analyzes the specific features of digitization, the concept, types and differences of terms of digitization and digital transformation, the future share of digital technologies in foreign countries, the advantages and disadvantages of digital technologies in business, the criteria of the digital economy and large online business models, and gives the necessary conclusions and suggestions.

This article describes the application of digital transformation in industry, and the main issues in the organization of digital transformation processes in enterprises. The purpose of this study is to identify the main problems and opportunities in the organization of digital transformation processes in the industry based on statistical analysis methods. While writing the article, scientific and practical methods were used, such as the method of comparison, analysis, and synthesis, and statistical data for monitoring the main expenses of enterprises for the development of the digital environment. The main problems of digital transformation were analyzed, and several problems and obstacles of digital transformation were studied. Also, the article describes foreign experiences of the digital transformation process, its role in the economy, advantages and disadvantages, and solutions.

This article examines and analyzes the features of digitalization, the concept, types and differences of the terms digitalization and digital transformation, the share of digital technologies abroad in recent years, the advantages and disadvantages of digital technologies in business and the role of personnel in them, the criteria of the digital economy and the main online business models, as well as the necessary conclusions and suggestions.

The article examines the business principles of regional district clustering in the context of the digital economy. Due to the impact of digitalization on economic clustering, the possible directions of increasing the efficiency of joint business are theoretically illuminated. The algorithm for creating an initial set of all possible routes to increase the efficiency of joint business carried out within the framework of clustering is studied in stages. Additional requirements for building an effective joint business are mentioned

The article highlights the post-industrial aspects of approaches to public administration, the "model of public service", the "model of public service" - the "service feature" of relations between the state and the public, theoretical issues of the application of business models in public administration, such as Business City, Smart City, Smart state, "Provider of public services". Based on theoretical approaches, it was proposed to provide public services to the population based on the principle of "state – service provider" as one of the most optimal solutions for public administration in a post-industrial society

This article analyzes the strategic directions for the development of trade services. In the modern economic environment, trade services play a crucial role not only in ensuring economic growth but also in shaping innovative business models. The research examines the key aspects of trade services, their economic efficiency, and future development prospects. Additionally, recommendations for modernizing trade services in Uzbekistan are proposed

This article examines the concept of a banking ecosystem, the creation of a "banking ecosystem" as a modern model of international transformation processes in the activities of commercial banks in Uzbekistan and the processes of digital transformation of commercial banks. Is presented the role of the banking ecosystem in turning the banking industry into a kind of financial "supermarket" by radically changing the relationship between the bank and the client based on the organization of the banking ecosystem, increasing the prestige of the bank, rapid digitization of economic relations, expanding the offer of a wide range of banking and non financial services to customers.