This study examines customer service management regarding Uzbek gastronomy and the impact of service quality on customer satisfaction. Research was conducted through an online quantitative survey in Tashkent, Samarkand, and Bukhara. Data was obtained from patrons who had recently visited local restaurants. Important service parameters such as order fulfillment, pricing, and customer care were evaluated. Analyzing response patterns, clients value gaining accurate orders at competitive prices. Improvement recommendations catered to clearer menus, faster service, and increased staff attention. Clients have a reasonably high appreciation of traditional hospitality. However, clients tend to value systematized and professional service as well. Applying universal service theories to a particularistic rich culture setting contributes to hospitality scholarship. Alongside, ethnic restaurants’ managers aiming towards greater patron satisfaction while maintaining cultural integrity are provided with useful guidance

This article analyzes the factors that enhance the economic efficiency of innovative management in the service market. It highlights the impact of modern management technologies, digital transformation, artificial intelligence, and CRM systems on the service sector. The main focus is on improving service quality, responding promptly to customer needs, and strengthening competitiveness through innovative approaches. The article also explores international experiences and practical challenges in Uzbekistan, identifying key internal and external factors that contribute to effective innovative management. The conclusion provides practical recommendations for further improving management practices in the service industry.

This article explores modern methodological approaches to assessing the quality of banking services provided to individuals. In the context of digital banking expansion, omnichannel service models, and the increasing importance of customer experience, traditional evaluation criteria are no longer sufficient. The study conceptualizes service quality as a multidimensional economic category and proposes an integrated assessment framework incorporating functional efficiency, digital interface usability, communicative transparency, security standards, and customer loyalty indicators. Particular emphasis is placed on combining subjective satisfaction metrics with objective operational parameters. As a result, a modern methodological model is developed to support continuous monitoring and strategic management of service quality in retail banking for individuals

This article examines the level of customer satisfaction with banking services and the improvement of its calculation. A high level of customer satisfaction with banking services makes it possible to establish long-term relationships with them and ensure the bank's sustainable development in the long term. In this regard, the issues of studying the level of satisfaction with banking services, a competent assessment of the results of such monitoring and their use to improve the quality of customer service and increase their satisfaction are of great importance for modern banks interested in business success.

The article analyzes the role and significance of innovative development in the activities of trade enterprises. New technologies and innovations create opportunities to enhance competitiveness, improve customer service quality, and increase economic efficiency in the trade sector. Additionally, with the help of innovations, trade companies can optimize their operations, capture new markets, and develop crucial strategies for sustainable development. This article explores how innovative approaches and technologies play a vital role in the growth and modernization processes in the trade industry.

This article discusses strategies for the development of financial services in commercial banks in order to increase their competitiveness, efficiency and value proposition. In an era characterized by global technological development and changing customer preferences, commercial banks face the need to innovate and adapt to changing market demands. The article notes that today, when digital technologies are rapidly developing, the banking sector is reorganizing its activities in accordance with modern requirements. The digital financial services offered by commercial banks serve not only to meet the needs of customers, but also to improve the quality of banking services, reduce operating costs and increase competitiveness.
The process of developing digital financial services by commercial banks has been gradual for many years, depending on technological progress, changes in customer requirements and the development of global financial markets. The implementation of these strategies will help commercial banks take a leading position in the financial services sector, stimulate business growth and achieve broader goals of economic prosperity and social well-being.

The article analyses the dynamics of service structure, regional indicators and digitalisation efficiency in JSC “Uzbekiston Pochtasi” and its territorial branches for 2020–2025. The study relies on the statistical tables, regional comparisons and integral efficiency indicators presented. The findings show that periodicals and written correspondence still occupy an important position in the service portfolio, but their long-term growth potential is limited. The sharp decline in electronic money transfers indicates the need to reconsider the value proposition of postal financial services under competition from fintech and mobile banking applications. By contrast, positive changes in parcel flows, delivery speed, customer satisfaction and the share of digital orders confirm the feasibility of gradually shifting the postal system towards an e-commerce logistics and digital platform model. The article develops practical recommendations on regional clustering, minimum digital standards, KPI/SLA monitoring, and stronger integration of logistics and financial services

The article analyzes the relevance and development of travel insurance in the context of modern technologies. Key trends in the insurance industry were analyzed, such as digitalization of processes, the use of artificial intelligence to personalize insurance products, the introduction of blockchain technologies to improve the security and transparency of transactions. The main focus is on the use of new technologies to improve customer service, reduce costs and increase the convenience of insurance products for tourists.

Fintech refers to financial technologies used in banking and financial services, including mobile payments, money transfers, loans, and asset management. Fintech startups offer fast, innovative, and convenient services that either compete with or collaborate with traditional banks. In recent years, investments in Fintech have grown rapidly due to its wide applicability. These technologies improve service quality, enhance customer experience, and transform traditional financial systems. Fintech plays a vital role in modern banking by offering digital solutions for both individuals and businesses. This article explores the significance of Fintech and the mutual benefits of bank-Fintech cooperation.

Commercial banks' products are continuously evolving in response to new technologies and economic changes. This article analyzes the internal and external factors that influence banking products. It highlights the key differences between traditional, innovative (digital), and green credit products, discussing their characteristics and objectives. Additionally, the article provides strategic recommendations for improving the effectiveness, competitiveness, and customer service of commercial banks’ products.