Against the backdrop of rapid development in the knowledge payment industry and intelligent talent assessment platforms, the challenges of rising customer acquisition costs coupled with low user retention and repurchase rates have become critical constraints on sustainable platform development. Current practices often treat the one-time assessment and report delivery as the service endpoint, neglecting the systematic guidance of users’ subsequent behavioral decisions and long-term growth paths, leading to a massive exodus of users after the assessment. In response to this practical dilemma, this study systematically integrates consumer psychology and behavioral decision-making theories, employing a conceptual modeling approach within the design science research paradigm to construct a “User Continuous Growth Guidance Model”. The model delineates the user behavioral path into five interconnected stages—“Cognitive Trust Building,” “Emotional Identification and Value Alignment,” “Low-Threshold Behavior Initiation,” “Value Solution Presentation,” and “Growth Outcome Feedback and Reinforcement” and explicates the underlying psychological mechanisms and decision-making logic at each stage. Conceptually, the model suggests that by systematically embedding corresponding mechanisms into product design, platforms can transform one-time assessment relationships into long-term, growth-oriented partnerships, thereby significantly enhancing user lifetime value. This study not only provides an integrated framework for understanding user behavior in the assessment context but also formulates actionable guidelines for platform content structure design and operational strategy.

Small business and private entrepreneurship is the largest sector of our country's economy, and the stable and modern development of this sector determines the employment and well-being of the population, the saturation of the markets with quality goods and services, the formation of fair price levels, and the pace of development of the country's economy. There are a number of factors that determine the effective activity of small businesses and entrepreneurial enterprises, and the role of competition in these factors is of particular importance. The effective organization of competitive activities ensures the advantage of the enterprise in the competition, creates conditions for successful operation in the market. Therefore, today, it is important to study problems such as the absence of competition in the activities of small enterprises, its specific features, and to develop certain proposals and recommendations for effective organization. In this article, an attempt was made to highlight some aspects of the manifestation of competition and its characteristics in the activities of small enterprises.

This article provides a comprehensive analysis of the process of modernizing Uzbekistan’s tax system based on digital technologies. It reveals the essence of digitalization, its role in improving the efficiency of tax administration, as well as its specific strategic significance within the system of public governance. As practical outcomes of digital reforms, the article examines in detail the electronic document exchange system, platforms for submitting online tax declarations, the taxpayer’s personal cabinet, the information security infrastructure, integrated databases among tax authorities, and automated control systems. In addition, the study thoroughly analyzes the main problems encountered during the digitalization process, including infrastructure disparities between regions, insufficient internet speed and technical support, low digital literacy among the population and entrepreneurs, gaps in legislation, and cybersecurity risks. Along with the organizational, economic, and technical barriers faced in implementing digital systems, the article develops scientifically grounded proposals for overcoming these problems. The results highlight effective mechanisms for increasing transparency, reducing tax administration costs, minimizing human-factor-related errors, and creating convenient conditions for taxpayers through the modernization of the tax system. The findings are expected to be of practical significance for tax authorities, economic experts, business entities, and state institutions implementing digitalization policy.