The article describes a number of risk types that may arise as a result of the digitalization of traditional banking activities as a result of the transformation of banking activities and the level of risk may increase, the most common types of cyber threats aimed at bank customers and banks themselves and their specific aspects, New risk management systems in banks, steps of strategic bank risk management, and author's approaches to effective risk management in the digital environment are presented. Overall, this paper provides insights into the multi-faceted nature of risk posed by commercial banks in the face of transformation and digitization, and what can be done by banks to effectively manage and mitigate this pervasive risk factor and ensure sustainable growth for banks. provides information on the various methods used.

This article discusses the concept of AI, its applications, advantages and disadvantages of introducing AI into the economy. The research of international organizations on the impact of AI on workplaces is reviewed. Measures to solve personnel problems in Uzbekistan are also indicated.

Gastronomy tourism, celebrated for its potential to showcase local culinary traditions and cultural diversity, faces a range of challenges that threaten its authenticity and sustainability. This article explores the multifaceted problems plaguing gastronomy tourism in Surkhandarya, ranging from overcommercialization and cultural appropriation to environmental sustainability concerns and economic disparities. Seasonality, supply chain issues, inadequate infrastructure, health and safety risks, and social impacts further compound these challenges. Nevertheless, there is a path forward, and this article offers a set of recommendations to address these issues and promote sustainable and responsible gastronomy tourism. By embracing these recommendations, the gastronomy tourism industry can not only overcome its problems but also thrive while preserving cultural heritage and benefiting local communities.

In this article, the processes of globalization and its impact on the country's economic security, as well as internal and external factors that threaten economic security, are thoroughly studied.