This article explores the integration of global financial literacy practices into Uzbekistan’s school system, emphasizing the need to enhance economic competence among youth. Drawing insights from OECD frameworks and studies like PISA, it highlights successful strategies from countries such as Belgium and Latvia, where curriculum integration and interactive methods improved student outcomes. Key approaches include incorporating financial education as a cross-curricular subject and employing digital tools for practical learning. The study identifies challenges in adapting these strategies to Uzbekistan’s unique socio-economic context and proposes a tailored framework to foster financial literacy, empowering students for informed decision-making and economic participation.

The article analyzes the state policy in digitalization, international cooperation, and innovative development of higher education in Uzbekistan. It examines university modernization processes, the implementation of digital technologies, the development of joint educational programs with foreign universities, as well as improving education quality and training specialists capable of critical thinking and lifelong learning. The role of the State Concept for the Development of Higher Education until 2030, the optimization of educational programs, and the growth dynamics of international students are highlighted. The study emphasizes the need for comprehensive innovative transformation of the higher education system for integration into the global educational space and sustainable national development.

The hospitality industry in Uzbekistan has been rapidly expanding, with a significant increase in hotels and room capacity, particularly in Tashkent, Samarkand, and Bukhara. As part of the country’s sustainable development efforts, Environmental, Social, and Governance (ESG) principles are being integrated into regulatory frameworks and business practices. This article examines the current state of ESG adoption in Uzbekistan’s hotel industry, the impact of national policies, and the benefits of implementing ESG strategies. A literature review highlights global best practices and the financial advantages of ESG compliance. The study also presents an analysis of ESG implementation challenges and provides recommendations for enhancing sustainability in Uzbekistan’s hospitality sector.

This article attempts to shed light on the general idea of Islamic FinTech and how concerning it is for the current Islamic financial ecosystem's evolution. Additionally, the main goal of this paper is to emphasize the beneficial effects of Islamic FinTech on social inclusion, particularly for people in isolated and underprivileged places. It gives examples of how Islamic FinTech has aided financial literacy, boosted the economy in underdeveloped areas, and empowered people and small companies.

This article examines the main specific features of the development of information and communication services in modern conditions, the adaptation of the structure of information and communication services to the requirements of the modern economy, as well as important aspects of the scientific substantiation of an effective business model inherent in a competitive high-tech sector.

The article analyzes the importance of financial literacy in modern society and the need for its development in Uzbekistan. It examines the impact of financial knowledge on personal and economic well-being and studies international experiences, particularly examples from Denmark, Sweden, Canada, and Japan. Practical recommendations are developed for integrating financial literacy into school education and applying innovative methods.

In this article, the basics of digitization of the activities of the oil and gas production industry in the conditions of the digital economy, the scientific-theoretical views of foreign and domestic scientists, the importance of digitization in the production and processing of oil and gas, security problems, a comparative analysis of the activities of foreign and domestic miners who introduced digitization were carried out. Conclusions and suggestions were drawn in the relevant order on the topic

The article is devoted to the study of the opportunities and challenges of integrating artificial intelligence (AI) technologies into the oil and gas industry of Uzbekistan. In the context of global changes and pressure for sustainable development of the oil and gas sector, AI is a powerful tool for increasing efficiency, reducing costs and minimizing the negative impact on the environment. An analysis of the current state and approaches to the implementation of AI technologies in this key sector of the economy of Uzbekistan will highlight important areas for further research and practical applications.

The purpose of this study is to examine the impact of digitalization on tourism education and how it enhances workforce competencies for the digital age. A quantitative methodology was employed, utilizing an online survey distributed to 62 respondents, including students, teachers, and professionals in tourism, to gather insights on digital skills and educational adaptations in the sector. The findings reveal that digitalization has significantly transformed tourism education, with respondents emphasizing the importance of digital tools, AI, and personalized services.

The originality of this study lies in its exploration of emerging digital competencies required in the tourism workforce and its contribution to understanding how educational institutions can adapt to the evolving digital demands. It highlights the need for continuous skill development, digital literacy, and the integration of advanced technologies in tourism education to ensure competitiveness in the modern industry.

In the process of expanding foreign economic relations of Uzbekistan, the article examines the ways of coordinating the organizational basis of coordination relations and the mechanisms for their development within the framework of the cooperation development system associated with the Shanghai Cooperation Organization. The impact of existing problems on the process of establishing large-scale trade and economic relations between the member states of the Shanghai Cooperation Organization and the Republic of Uzbekistan is analyzed. Within the framework of the Shanghai Cooperation Organization, a scientific proposal and practical recommendations on the system for expanding Uzbekistan's foreign economic relations and the directions for its coordination have been developed.

Our article discusses the importance of international financial organizations and their role in economic development, as well as an analysis of Uzbekistan's current financial relations with international financial organizations and the prospects for expanding cooperation between them. The main areas of cooperation are analyzed using the example of the International Monetary Fund (IMF) and the World Bank.

After gaining independence, Uzbekistan established active relations with international financial institutions. In particular, it has implemented a number of major projects in the fields of agriculture, transport, healthcare, education, infrastructure, energy, and construction. In recent years, reforms aimed at liberalizing the economy and increasing investment attractiveness have led to further expansion of cooperation. The article highlights Uzbekistan's promising projects with these organizations aimed at sustainable development, green economy, inclusive economy, poverty reduction, employment generation, and creation of modern infrastructure through long-term strategies. As a result of this cooperation, it is envisaged that our country will strengthen its integration into the global economy.

This article examines the transformative role of neural networks in econometrics and financial decision-making, emphasizing their influence on personal finance, automation, healthcare, transportation, and human-computer interaction. Neural networks, inspired by the structure of the human brain, have the potential to revolutionize these sectors by enhancing efficiency, accuracy, and decision-making capabilities. In personal finance, they can optimize budgeting, savings, and expenditure management through automated models such as the McCulloch-Pitts neuron. In healthcare, neural networks improve diagnostic capabilities and enable predictive treatment. The article also highlights the applications of neural networks in econometrics to analyze financial patterns, detect fraud, and manage risks more effectively. However, it also addresses the ethical concerns related to data privacy, security, and biases in algorithmic decision-making, stressing the importance of responsible development. Ultimately, it concludes that, despite the challenges, the benefits of integrating neural networks into econometric models and financial systems are substantial and indispensable for modern advancements.

This article carried out a comparative analysis of the state of educational tourism, the place and importance of our country in the market of educational tourism, scientific research and views of foreign and domestic scientists in this regard, directions of integration at the international level, positive aspects of the development of educational tourism, statistical analysis of visits of foreign and domestic citizens for education.

The article is devoted to the study of the fundamentals of the methodology of corporate social responsibility (CSR) management in industrial enterprises. The paper examines the theoretical aspects of CSR, including theoretical aspects, key approaches and practical tools. The classification of approaches to CSR management, such as traditional, strategic and integration approaches, has been carried out. Special attention is paid to the specifics of CSR application in industrial enterprises, taking into account environmental, social and economic aspects.

This article analyzes the level of development of Uzbekistan's securities market, as well as existing problems and shortcomings. The study examines the current state of the stock market, the activities of government and private sector securities, and their economic efficiency. Key issues identified include the low liquidity of the securities market, the limited range of investment instruments, weak integration into international financial markets, and a lack of financial literacy. Additionally, the article explores factors such as the underdevelopment of capital market infrastructure, information asymmetry, and the limited opportunities for Islamic finance.

According to the article, excise taxes are included in the price of excise goods and thus passed on to final consumers. At the same time, the amount of excise tax significantly determines the price level of taxed goods and also affects consumer demand. Excise tax plays an important role in the formation of state revenues and regulation of the consumption of certain goods and services. This article reviews the existing literature on excise tax administration, concludes advanced international experiences. It defines the main directions of improvement of control mechanisms, the main focus is on policy reforms, technological integration, and capacity building in tax authorities.

The increasing global focus on sustainable development has prompted a growing interest in understanding the roles of green innovation and digitization in fostering economic, environmental, and social sustainability, particularly within emerging economies like Uzbekistan.This study employs Structural Equation Modeling (SEM) to investigate the pivotal roles of green innovation and digitization in fostering sustainable development within the context of Uzbekistan, emblematic of challenges and opportunities for emerging economies. Through a comprehensive conceptual analysis, the research assesses the impact of these initiatives on economic growth, environmental conservation, and social equity. The findings reveal significant contributions of green innovation and digitization to sustainable development, manifested in heightened economic efficiency, reduced environmental degradation, and enhanced social well-being. Emphasizing the indispensability of institutional support, financial incentives, and stakeholder engagement, the study underscores the imperative for effective adoption and integration of sustainable practices and technologies.

This article presents modern trends in the development of foreign economic
relations of the region, strategies and practices aimed at strengthening economic ties between countries and regions, as well as globalization and integration of these modern trends, digital economy, sustainable development, development of transport, logistics infrastructure, innovation and technological progress. These trends are the main factors in the development of interregional economic relations, which serve to ensure economic growth, increase trade and investment flows, and support sustainable development. In our country, these trends play an important role in ensuring the country's economic stability and increasing its competitiveness in international
trade.

The article discusses the prospects of using artificial intelligence (AI) in the field of tourism. AI offers a wide range of tools and technologies that can significantly change the tourism industry. The article analyzes both the positive and negative experience of using AI, examines examples of successful international projects and highlights the key risks and challenges associated with the introduction of AI. In conclusion, recommendations are offered for the effective and ethically responsible integration of AI into the tourism business

Increasing the efficiency of the industry through the digitalization of agriculture forms the basis of the government's agricultural policy in Uzbekistan. Based on this, this article discusses the issues of increasing the efficiency of the industry through the digitalization of agriculture.

This paper explores the significant role of implementing sustainable practices in industrial enterprises as a pathway to reaching progress in economic potential. Sustainable practices encompass a wide scope of strategies concerned for eliminating environmental impact, maximizing resource utilization, and enhancing social responsibility within industrial operations. In the framework of theoretical evidence, this article examines how integrating sustainability into business strategies can lead to enhanced competitiveness, cost savings, and long-term value creation.

The reforms and the mechanism of development in the field of agriculture in Kashkadarya region are widely studied and their theoretical aspects are explained. Agricultural economy in 2011-2023 was analyzed on the basis of statistics agency and suggestions were made. The main aspects of the need for econometric modeling of the production process of agricultural products are covered by the table. The strategy of econometric modeling of the development and management of the production of agricultural products is explained theoretically. Their analysis on the concept of agricultural development is summarized and the main concepts are presented. Environmental programs need to look for new strategies and solutions to solve these problems. According to the scientists of agriculture and environmental protection, the results of these efforts have been given.

In this article, the relevance of the role of foreign investments in industrial production, the positive impact of investments on the economy, measures to organize the effective use of investments in economic sectors and the prospects of attracting investments, along with investment, new technologies, advanced experiences, the directions of entry of highly qualified specialists, the analysis of the efficiency of investments in the development of the economy of Uzbekistan are presented.

Internal control, that is, audit service, has a special place and importance in increasing the competitiveness of commercial banks in the national economy, further strengthening their position in international integration and economic processes, as well as in checking and evaluating the compliance of banks activities with global requirements and standards. The above issues were considered in the article, suggestions and recommendations for improving the internal audit service were given.

Corporate culture contributes to the long-term development and improvement of the efficiency of enterprise management, as well as determines the mission and long-term strategies of the company. Currently, in the world, along with modern models of corporate governance, the peculiarities of corporate culture as a separate sphere are being studied. The growing acceleration of the globalization process, the expansion of the scale and the development of integration between countries and companies require a broader and deeper study of corporate culture. Therefore, much attention is paid to this direction by scientists in the field of management. In this research paper, modern models of corporate culture and some of their aspects across the country and the company were analyzed.