This paper examines strategies for developing financial services in commercial banks to enhance their competitiveness, efficiency and value proposition. In an era characterized by rapid technological advances and changing customer preferences, commercial banks are faced with the need to innovate and adapt to changing market demands. This article identifies the key strategies of banks to achieve sustainable growth and maximize customer satisfaction. These strategies include digital transformation, expanding product offerings, improving customer experience, enhancing access to financial services, strengthening risk management, investing in talent development and sustainable financing practices. Implementing these strategies will help commercial banks take a leadership position in financial services, drive business growth and achieve the broader goals of economic prosperity and social well-being.

The implementation of sustainable development strategies in enterprises is increasingly recognized as a critical factor for long-term viability and competitiveness in today’s global economy. This research explores the integration of environmental, social, and economic dimensions into corporate strategies, emphasizing the necessity for businesses to adopt practices that minimize ecological footprints while maximizing social equity and economic performance. By analyzing case studies from various industries, the study identifies best practices and innovative approaches that facilitate the transition towards sustainability. Key components include stakeholder engagement, resource efficiency, and the adoption of circular economy principles. The findings suggest that enterprises that proactively implement sustainable strategies not only enhance their brand reputation but also achieve operational efficiencies and resilience against market fluctuations. Ultimately, this research underscores the imperative for businesses to align their objectives with sustainable development goals (SDGs) to foster a more sustainable future.

This article provides an in-depth analysis of effective strategies for attracting venture capital for technology startups. It focuses on essential aspects such as securing financial support for startups, assessing market potential, and creating a reliable business plan. Additionally, the article explores risk mitigation methods crucial for appealing to venture capital investors. The study also examines the role of venture capital and economic opportunities within Uzbekistan's context. These strategies are significant for ensuring the successful growth of new technology companies.

This article analyzes the current aspects of personnel management in the healthcare system of Uzbekistan. The authors explore the specifics of the processes of hiring, training and retaining qualified specialists in the context of the medical system of this country. The article examines the factors influencing the effectiveness of human resources management, such as socio-economic conditions, cultural characteristics and national strategies for the development of healthcare. The existing recruitment strategies, training programs and measures to retain staff in the health care system of Uzbekistan are analyzed, as well as recommendations for their improvement, taking into account the specifics of the country. The results of the study may be useful for developing more effective HR management strategies in the medical sector of Uzbekistan in order to improve the quality of medical care and staff satisfaction

Improving the sales management system based on the analysis of marketing technologies is one of the important processes that have found its place in the modern business environment. Each company needs to develop effective strategies to successfully market its products or services. When developing such strategies, the analysis and use of marketing Technologies is important. This article provides information on the impact of marketing technologies on the sales management system, how to analyze them and how to implement their results.

This article is devoted to a global and regional analysis of the problem of poverty, as well as the experience of foreign countries and Uzbekistan's strategies for its elimination. The article analyzes the Oxford Poverty Alleviation and Human Development Initiative (OPHI) report "Global Multidimensional Poverty Index 2024," which indicates that 1.1 billion people worldwide live in extreme poverty, with the majority in rural areas and the Sahara and South Asian regions. Effective poverty reduction strategies (South Korea, China, Brazil, Norway) were also reviewed, emphasizing the importance of investing in human capital and harmonizing social programs with economic growth.

This study provides a comparative analysis of innovative development models that have played an important role in the global economy in the 21st century. The article takes an in-depth look at the innovation systems of the United States, the European Union, the Scandinavian countries, South Korea, Singapore, Japan, and Germany. Five main models - open innovation, Triple Helix, cluster innovation, public governance, and corporate strategies - are analyzed based on statistical data for 2024. The results of the study show that each model has its own advantages and is adapted to the institutional environment and economic characteristics of countries. Hybrid models and the integration of sustainable development goals have become the main trends in modern innovation strategies. The recommendations presented for Uzbekistan determine the ways to develop the national innovation ecosystem.

This article analyzes the optimal composition of working capital and its impact on financial stability in small manufacturing enterprises. Using the textile industry as an example, it examines the important role of working capital in the production process of a company and the necessity of proper management to ensure financial stability. The article evaluates the main components of working capital, their optimal ratios, and financial stability indicators. It also presents strategies for managing working capital and ways to enhance their efficiency through modern technologies. The research findings include practical recommendations for small textile enterprises, which will help increase their competitiveness and ensure financial stability.

The article presents a comprehensive review of the foreign experience in the development of tourist villages over the past ten years. Models and strategies implemented in Europe, Asia, the Americas, Africa, and Oceania are examined, along with comparative data across countries and regions. Special attention is given to the analysis of economic effects, local community involvement, and the role of international initiatives such as the UNWTO Best Tourism Villages program. Case studies from Indonesia, Japan, France, and Mexico demonstrate successful practices in the sustainable development of rural tourism. The study identifies key risks — loss of authenticity, environmental pressure, rising prices, and social transformations — and offers recommendations for their minimization. The article emphasizes that tourist villages are becoming an important tool for sustainable socio-economic development, contributing to the preservation of cultural heritage, job creation, and diversification of regional economies.

The current article examines the theoretical foundations, core principles, and the development stages of marketing strategy with particular emphasis on role in improving the performance of textile enterprises. The research examines key aspects such as the economic position of the textile industry, export trends, growing competitiveness and the strategic impact of marketing on business goals. The study is based on a comprehensive review of academic literature, statistical data, scholarly articles and reliable online sources, offering insights into how marketing strategies contribute to the competitiveness and sustainability of textile enterprises.

Which generations should companies and sellers in e-commerce adapt to? This question is becoming increasingly relevant in the face of rapid digital technology development and changing consumer habits. Dividing society into generations helps us better understand people born in the same historical period and identify their cultural and social behavior patterns. In the age of technology, special attention is given to Generations Y, Z, and Alpha, who are considered "digital natives" and are exerting an increasing influence on the market. These consumer groups have unique values, perspectives, and lifestyles, making them key players in e-commerce. The aim of this article is to explore how companies can adapt their strategies to effectively engage with these generations.

The article presents a comprehensive analysis of strategies for the formation and development of human capital in economically developed countries. Key factors determining the level of human capital are examined, including the scale of public and private investments in education, healthcare, scientific research, and innovation. Particular attention is paid to the role of the corporate sector in enhancing professional competencies and improving labor productivity. Based on international research data and comparative analysis, the structural features of human capital management in countries with varying levels of economic development are identified. The study concludes that systematic and proactive investments in human capital are critical for ensuring sustainable economic growth, enhancing competitiveness, and maintaining social stability.

Achieving sustainable development while maintaining economic growth presents a significant challenge for Uzbekistan, given its reliance on resource-intensive industries and fossil fuels. This paper explores strategies for decoupling economic growth from environmental harm, focusing on key measures such as transitioning to renewable energy, improving energy efficiency, fostering green technology and innovation, and enforcing robust environmental policies. The study highlights the importance of sustainable agricultural practices and international cooperation in facilitating this transition. Uzbekistan's potential for solar, wind, and hydroelectric energy, coupled with modernization of its industrial and agricultural sectors, offers pathways to mitigate environmental impacts. Leveraging global partnerships and foreign direct investment, the country can adopt green technologies and align its development goals with international sustainability standards. This approach ensures a balance between economic prosperity and environmental preservation, contributing to a sustainable future.

Strategic financial planning is essential for improving the financial performance of logistics corporate structures in a rapidly developing global economy. This study examines the basic principles and methodology of strategic financial planning, adapted to the organizational needs of logistics corporate structures. It examines the integration of financial strategies with operational objectives, focusing on optimizing cash flow, controlling costs, prioritizing investments, and managing risks. The article emphasizes the importance of using digital tools and advanced financial technologies to meet dynamic market demands and mitigate uncertainties in supply chain management. The study also highlights the role of financial planning in ensuring sustainability and achieving long-term profitability in an environment of increasing pressure on logistics practices.

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.

This article analyzes the main directions for the development of passenger transportation activities in rail transport. It discusses statistical indicators of passenger transportation, income and expense dynamics during the period from 2014 to 2023, as well as detailed information regarding infrastructure costs.
The article includes statistical analyses of the number of passengers transported by rail and their turnover. It examines changes in passenger numbers, income growth, expense dynamics, and the losses incurred from passenger transportation. Based on this information, the aim is to identify the main problems in passenger transportation activities in rail transport and propose solutions.
The article recommends ways to improve passenger transportation activities through the implementation of modern technologies in the rail transport sector, enhancing staff qualifications, and improving services for passengers. Additionally, it provides information on infrastructure proposals for the development of passenger transportation and necessary strategic measures to ensure economic stability.
The results of the research are significant for developing effective strategies for the advancement of rail transport, facilitating rapid development of passenger transportation, increasing economic efficiency, and creating convenience for passengers.

In this article, the main directions of the development of FinTech strategies in commercial banks are presented on the example of banks operating in Uzbekistan. Among the main areas of FinTech strategies are digital payment systems, artificial intelligence (AI) and data analysis, blockchain, banking mobile applications, digital banks and FinTech startups. Also, the changes in banks as a result of their application were analyzed based on the data of the Central Bank of the Republic of Uzbekistan. In this, information about plastic cards in circulation in banks, payment terminals installed by banks, ATMs, infokiosks, bank applications, digital banks from 2001 to August 1, 2024 was presented and analyzed graphically.

The textile and sewing and knitting industry of Uzbekistan is one of the dynamically developing sectors of our country's economy, which is facilitated by the availability of its own raw material base and the constantly growing demand for manufactured products. Due to its competitive potential, it occupies a leading position in attracting foreign investment in the organization of new enterprises, employment, export of products, and is also one of the strategically important areas in the global specialization of the national economy of the country. Based on this, it is important to develop strategies to reduce the cost of production, increase the competitiveness of domestic products on the world market, by optimizing the costs of textile industry enterprises.

This article discusses strategies for the development of small businesses and private entrepreneurship through the improvement of infrastructure activities. By analyzing various elements of infrastructure, such as financial services, technological support, legal frameworks and logistics, the authors of the study identify key factors contributing to the growth and sustainability of small enterprises. The study highlights the importance of creating a favorable business environment, improving access to resources and stimulating innovation as the most important factors in the development of entrepreneurship. The results show that a well-developed infrastructure not only meets the operational needs of a small business, but also allows it to compete effectively in the market.

The purpose of the study is to study the theoretical and practical foundations of
human capital development factors in the process of implementing concepts and strategies for the socio-economic development of Uzbekistan. Analysis of practical work aimed at improving science, education, health and culture for the development of human capital in the new Uzbekistan, development efforts along with world civilizations and countries of the world. In the process of forming human capital in the interests of innovative development, it is aimed at education, knowledge, skills, abilities, motivation, professional orientation of the individual, training of carriers of new knowledge, the formation of social demand and the development of competencies
that satisfy needs.

The article explores the intricate mechanisms governing tourism and highlights strategies for fostering sustainable practices. Tourism plays a pivotal role in global economies, driving growth and development. However, to ensure its sustainability, it is essential to comprehend the underlying mechanisms shaping the industry.

Pilgrimage tourism is one of the promising areas of tourism development in the Republic of Uzbekistan. The article examines the main indicators and trends in the development of pilgrimage tourism in Uzbekistan, as well as its socio-economic consequences. The purpose of the study is to identify the role of pilgrimage tourism in the economy of the Republic of Uzbekistan, to determine the main indicators and trends in the development of this area of tourism. The ideas of the study are that pilgrimage tourism has significant potential for the development of the economy of Uzbekistan, creating jobs and improving the standard of living of the population.

The research contributes to the development of theoretical knowledge about pilgrimage tourism in Uzbekistan. The practical significance of the study lies in the fact that its results can be used to develop strategies for the development of pilgrimage tourism in Uzbekistan, as well as to improve the efficiency of management of this tourism area.
The methodological basis of the research is the economic and sociological approaches. The research uses methods such as statistical data analysis, including correlation and regression analysis; analysis of official legal documents and scientific literature, generalization, forecasting.
As a result of the study, the following main results were obtained. In 2022, about 313.9 thousand pilgrims visited the country, which is about 6% of the total number of international tourists. Revenues from pilgrimage tourism in 2022 amounted to 125.6 million dollars, which is about 1.52% of the GDP of the Republic of Uzbekistan. According to the forecast for 2023, the incoming tourist flow to the Republic of Uzbekistan will grow to 7 million people, the number of pilgrim tourists will amount to 420 thousand people. Then the income from pilgrimage tourism in 2023 It will amount to $168 million, and the total revenue from tourism will amount to $ 2.8 billion. Using correlation analysis, a direct noticeable correlation was revealed between employment in the tourism sector and income from tourism. Pilgrimage tourism is one of the promising areas of tourism development in Uzbekistan. The results of the study contribute to the development of theoretical knowledge about pilgrimage tourism in Uzbekistan. The results of the study can be used to develop strategies for the development of pilgrimage tourism in Uzbekistan, as well as to improve the efficiency of management of this area of tourism. In particular, the study can be used to improve the regulatory framework governing activities in the field of pilgrimage tourism; development of infrastructure for pilgrimage tourism; promotion of pilgrimage tourism in foreign markets.

In this article, the methods and directions of increasing export capacity in enterprises for the development of enterprises, the importance and necessity of applying innovative marketing strategies in increasing export capacity are shown in the examples. The problems related to the topic were identified and conclusions and suggestions were made in the appropriate way for them.

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 article discusses various models and strategies for diversifying the tourism market. Including geographic diversification, market segmentation, product diversification, infrastructure development, technological innovation, sustainable tourism, tourism cooperation issues, seasonality and year-round diversification, marketing strategies, tourism packages and sectors, diversification of the tourism market through gastronomic tourism and craft tourism. the content, essence and significance of the models are highlighted.