Identifying ways to improve corporate culture in joint-stock companies requires close attention to both its advantages and its shortcomings. An effective corporate culture directly influences a company’s operations and long-term prospects. It is one of the key drivers of success and plays a decisive role in maintaining competitive advantage. Corporate culture also affects employees’ moral qualities, commitment, productivity, physical health and emotional well-being within the team. This article analyses the corporate-culture problems typical of joint-stock companies and sets out practical solutions. It considers the importance of culture, its place in corporate activity and its impact on economic indicators. The problems identified include an underdeveloped culture, weak communication among staff, and failure to observe ethical standards and values. Proposed remedies include strategic approaches to shaping culture, regular training and educational programmes, fostering an atmosphere of open dialogue and trust, and developing and implementing codes of ethics. The study offers practical recommendations for improving and effectively managing corporate culture in joint-stock companies.

This article examines the modeling of climate change-related financial risks in Uzbekistan. Based on official reports from the World Bank, Asian Development Bank (ADB), United Nations Development Programme (UNDP) and the Central Bank of Uzbekistan, the country's vulnerability level to climate change is determined and the current state of climate risk management in the banking sector is assessed. The physical and transition components of climate risks and practical possibilities for their modeling using stress testing and Climate VaR methodologies are explored. Based on the research findings, scientific conclusions and practical recommendations for integrating climate risks into Uzbekistan's financial system and developing green finance are formulated

This article analyzes the priority areas of improving tax administration in the Republic of Uzbekistan, in particular, the issues of digitization of the tax system, implementation of international standards (OECD) and optimization of tax control. During the study, specific solutions were proposed to reduce the human factor in selecting candidates for tax audits, accelerate analytical processes using "Big Data" technologies, and expand the tax base in the field of e-commerce. It also covers mechanisms for reducing the administrative burden by introducing a tax monitoring system for large taxpayers and establishing cooperation with taxpayers based on mutual trust

Today’s market is becoming tough for small businesses. Competition is growing, and digital technologies are evolving so fast that it is becoming difficult to keep up. Small companies, in particular, often struggle more than larger firms because they usually work with limited budgets, depend heavily on manual tasks, and do not always have standardized processes in place. Yet despite these challenges, automation and AI can become a real game-changer for them. By automating the most time-consuming and vulnerable parts of their work, small businesses can save resources, reduce errors, and operate more confidently. This article explores what kind of challenges small businesses are currently facing while automating their operations. It also identifies the main risks involved and suggests practical software tools that can help small companies choose solutions that truly meet their needs

This paper examines the implementation of blockchain technologies in the payment systems of commercial banks and evaluates their impact on operational efficiency, security, and transaction speed. Using systematic, comparative, and empirical methods, the study assesses the technological components of blockchain, its integration with payment processes, and its economic benefits. The findings demonstrate that blockchain-based mechanisms reduce payment costs, mitigate fraud risks, and enhance automation in interbank settlements

This article analyzes the adequacy of commercial banks' deposit base, the factors affecting it, the alignment of maturities, interest rates, and volumes between bank deposits and loans, as well as the growth trends of deposits and loans. The causes of the transformation risk associated with bank deposits and credits have been examined. Furthermore, practical proposals and recommendations have been developed regarding existing problems in bank credit services and their solutions

This article analyzes the current challenges in accounting for foreign exchange differences in Uzbekistan and presents practical and methodological solutions based on digital transformation. The study emphasizes the importance of automating exchange rate updates, developing a methodology aligned with IFRS 21, and implementing an AI-based monitoring system to enhance accuracy, transparency, and compliance in financial reporting.

The integration of Artificial Intelligence (AI) into the circular economy offers transformative solutions to the global challenge of waste management. This article explores the role of AI-driven innovations in promoting waste reduction, resource optimization, and sustainability. Through case studies such as AMP Robotics in the U.S. and ZenRobotics in Finland, the study analyzes how AI enhances waste sorting, recycling efficiency, and product lifecycle management. The findings underscore that AI not only contributes to environmental sustainability but also promotes economic opportunities by optimizing resource loops and minimizing waste generation.

The article examines the impact of digitalization on business planning in commercial banks. It analyzes artificial intelligence, Big Data, and cloud computing technologies that improve forecasting accuracy. Key digital solutions and their further development prospects in the banking sector are identified.

This article is dedicated to the economic indicators of handicraft activities in Uzbekistan and the introduction of digital technologies into the sector, analyzing the role and significance of handicrafts in the national economy. The opportunities to enhance the efficiency of product manufacturing and sales through digital technologies are explored. The prospects for the development of handicrafts through the implementation of innovations and IT solutions in the sector are also examined. In conclusion, recommendations are provided to strengthen the role of digital technologies in the handicraft industry.