In this article, the transition of trade enterprises to the market concept of development has changed their target functions, and this is reflected in the system of economic indicators characterizing the economic process. This article analyzes the activities of retail enterprises and the factors of development of the retail system. Marketing research of retail organizations was conducted.

This article theoretically argues that digital transformation is a strategic necessity for banks to remain competitive with fintech companies as a result of rapid technological advancements in digital transformation. In addition, the theoretical foundations of digital transformation in retail banking are critically examined, and the main principles of diffusion of innovation theory, resource-based view (RBV), institutional theory, service-oriented logic (SDL), technology adoption models, and dynamic capabilities are extensively analyzed. It is argued that digital transformation is not just about implementing digital tools, but also about creating value, delivering services, working with customers, improving efficiency, and increasing interbank competitiveness. By analyzing a large body of scientific literature, the study identifies gaps in existing theoretical frameworks and attempts to identify how banks can adapt to the digital economy, increase investment in innovation, and become digitally mature. Such analyses contribute to the field both scientifically and practically by offering comprehensive development models to understand the systemic and multidimensional dynamics of digital transformation in retail banking.

The article examines the theoretical and practical aspects of the effective placement and demonstration of goods in trade zones. Proper placement and visual presentation of goods plays an important role in increasing sales efficiency, attracting customer attention, and stimulating purchasing activity. The study analyzes the experience of various retail enterprises and provides practical recommendations for optimizing the territory, segmenting product categories, and increasing sales through exhibition design, promotional materials, and visual merchandising methods. The article is useful for retail sales managers, sales specialists, and marketing researchers, and is aimed at the effective application of technologies for the placement and presentation of goods in modern shopping areas.

This article examines international approaches to the development of retail insurance and explores the potential for their adaptation in the Republic of Uzbekistan. Drawing on the Swiss Re Institute – Global Insurance Outlook 2024 and other key sources, it outlines global trends such as digitalization, embedded insurance, microinsurance, and insurtech. A comparative analysis of Uzbekistan, India, Kenya, and Kazakhstan highlights structural barriers and identifies strategic directions for transforming the Uzbek insurance market, with a focus on inclusivity, innovation, and sustainability.

The article shows the relationship between the number of items in the region's trading network and retail trade turnover, the trend of changes in the number of trading enterprises in the region and not only retail trade turnover, an indicator of the relativity of trade turnover dynamics. the economic potential of the Kashkadarya region, as well as a comparison of the relative levels of the trading network, an assessment of the general and private economic potential of the region is shown.

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 develops a forward-looking outlook for Uzbekistan’s e-commerce market through 2035 and examines the main determinants of both growth speed and quality. It discusses key drivers such as the expansion of digital payments and e-government services, upgrades in logistics infrastructure, rising mobile internet penetration, the scaling of marketplace ecosystems, and the intensification of cross-border trade, alongside evolving regulation and consumer protection. The paper applies a scenario-based framework (baseline, accelerated, and inertial) to evaluate how macroeconomic conditions, competition dynamics in digital markets, and the adoption of data and AI technologies may reshape online retail. Special attention is paid to structural constraints, including consumer trust, cybersecurity risks, last-mile delivery performance, the digital divide, and capability gaps among SMEs. The findings aim to inform public policy design, business strategy, and academic research on Uzbekistan’s digital economy

This article systematically analyzes the factors affecting the development of small business and entrepreneurship in the Kashkadarya region. The purpose of the study is to determine the role of the small business sector in economic growth in the region, its contribution to industry, agriculture, construction, services and foreign trade indicators. Statistical analysis, comparative and trend analysis, as well as a review of scientific literature and complex processing of practical data were used as research methodologies. The results showed that small business plays an important role in the stability of the regional economy, but there is a need to further strengthen the investment environment, infrastructure and innovative development factors. At the end of the article, scientifically based conclusions and practical proposals were developed to support small business and entrepreneurship in the Kashkadarya region.

Ensuring sustainable and inclusive development of regional economies stands as a central challenge for contemporary economic policy and regional planning. This paper develops the theoretical foundations for econometric modeling of regional development, aiming to provide a rigorous methodological framework for quantifying growth drivers and producing reliable forecasts of regional economic performance. The primary objective is to specify and justify econometric models that capture both the long-run relationships and short-run dynamics among core regional indicators (GRDP, industrial output, retail turnover, investment inflows, employment and income levels, and institutional variables). The theoretical discussion integrates perspectives from neoclassical growth theory, endogenous growth models, institutional economics and evolutionary economics to frame the empirical strategy

This article analyzes the economic nature of trade services and their classification. Trade services are a crucial component of the market economy, facilitating the efficient organization of the process of delivering goods and services to consumers. The article examines the key characteristics of trade services, their economic significance, and their classification based on various criteria. Additionally, the impact of modern trade services and digital technologies on their development is analyzed.

This study examines the key directions of financial support mechanisms available to exporting enterprises engaged in foreign economic activities in the Republic of Uzbekistan. These mechanisms encompass the implementation of international standards and certification processes, the registration of national products and brands (trademarks) with foreign regulatory bodies, the establishment and maintenance of trade houses, financial assistance for leasing office, retail, and warehouse spaces abroad, participation in international exhibitions and trade fairs, and the promotion of local products and brands through digital marketing. Based on a comprehensive analysis of these support measures, the study formulates evidence-based proposals and recommendations to enhance the effectiveness of state interventions in facilitating export activities.