The article examines the economic essence of digital transformation in the energy sector and analyzes methods for assessing its economic efficiency. The study substantiates the impact of digital technologies on energy companies, including cost reduction, minimization of energy losses, improvement of production efficiency, and enhancement of investment attractiveness. The concepts of digitization, digitalization, and digital transformation are compared, and their economic content is revealed. The main evaluation methods of digital transformation projects are analyzed, including the KPI system, scenario analysis, cost–benefit analysis, investment appraisal tools (NPV, IRR, payback period), and the integrated efficiency assessment model.

The article deals with the introduction of an effective mechanism in the economic sectors of the region as a source of increasing the economic potential of the region according to optimal standards. The agglomeration plays an important role in the social and economic development of the regions, because this process combines a number of factors, a unique economic analysis of complex development, and a combined system of indicators is presented.

This article examines the problems and solutions for coordinating industrial cargo transportation between railway and road transport in Uzbekistan. The efficiency of intermodal transport systems, factors affecting coordination, and modern digital management tools are analyzed. According to the research results, integrated management of the two transport modes enables a cost reduction of 15–25% and a significant shortening of cargo delivery times. A coordination model and implementation recommendations are proposed

This article analyzes the role and development trends of modern financial technologies — fintech services — in international markets. The author highlights the emergence of fintech technologies in the context of the digital economy, the reasons for their global expansion, and their impact on the financial services sector. Based on a regional analysis, the article examines the specific features of fintech development in various regions (North America, Europe, the Asia-Pacific region, and LAMEA). Using the examples of major fintech companies such as PayPal, Stripe, Revolut, and Ant Group, the article emphasizes the expansion of digital payments, open banking, blockchain technologies, and services based on artificial intelligence. Drawing on statistical data and international experience, the article identifies the key advantages of fintech services, including high speed, cost reduction, financial inclusion, and the provision of innovative products. The conclusion highlights the prospects for further development of the fintech sector and the need for cooperation between technological innovation and state regulators. The article is of both theoretical and practical interest for banking professionals, participants in the financial services market, and those involved in the digitalization of the economy.

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