Vol. 3 No. 4 (2026): ADVANCED ECONOMY AND PEDAGOGICAL TECHNOLOGIES

This article examines international experience in the formation and development of corporate culture in joint-stock companies. It analyzes the specific features of corporate values, management styles, employee motivation systems, internal communications, teamwork, and corporate social responsibility applied by companies in the United States, Japan, Germany, South Korea, and other developed countries. The study highlights the role of corporate culture in regulating relationships among shareholders, supervisory boards, executive bodies, and employees. Based on the experience of foreign companies, the article substantiates the impact of corporate culture on labor productivity, employee loyalty, innovative activity, investment attractiveness, and the overall performance of joint-stock companies. The study concludes by developing scientific and practical recommendations for adapting and introducing relevant elements of advanced international experience into the activities of joint-stock companies in Uzbekistan.

The article examines the organizational and economic opportunities for developing pilgrimage tourism in Uzbekistan in connection with historical and Islamic heritage, regional destinations, service quality, halal tourism requirements, digital promotion, international branding and public-private partnership mechanisms. Based on official statistical bulletins, the paper analyzes the dynamics of inbound tourism in 2021 – 2025 and the regional accommodation indicators of inbound visitors in 2024. The 2026 “Umra plus” programme is interpreted as a practical economic incentive aimed at integrating Uzbekistan into international umrah-related pilgrimage flows. Based on the results, practical proposals were developed to connect pilgrimage routes between regions, expand halal service standards, create a digital platform, and introduce monitoring indicators.

This article examines the distinctive features of modern Islamic banking products compared with conventional banking services. It provides a comparative analysis of income generation, risk-sharing mechanisms, and links to real assets in murabahah, ijarah, musharakah, mudarabah, sukuk, and takaful products. Conclusions are also developed regarding the expansion of Islamic banking products in Uzbekistan.

This article examines modern methodological approaches to the comprehensive assessment of financial risks in commercial banks. It explores the integrated evaluation of credit, liquidity, market, operational, and capital risks using stress testing, scenario analysis, early warning indicators, and an integral risk index. A comprehensive model is proposed for determining a bank’s overall risk profile and improving risk management decisions.

This article examines methodological approaches to improving the efficiency of banking products through artificial intelligence technologies. The stages of integrating artificial intelligence into the banking product life cycle are systematized, and the interrelationship between process automation, predictive analytics, personalization, risk management, and adaptive product management is substantiated. A conceptual model incorporating data quality, algorithmic transparency, human oversight, and continuous monitoring is proposed.

In this article, the issue of finding opportunities to use the production potential based on the modeling of the selection of alternative raw materials in the production of sewing threads in textile enterprises is studied.

This article summarizes and draws conclusions on the possibility of improving the practice of tax authorities in auditing and controlling taxpayers' activities, identifying possible cases of tax evasion, ensuring fair taxation, and ultimately contributing to the overall efficiency of the tax system. The article highlights the advantages and problems of applying foreign experience in the conditions of Uzbekistan, and develops proposals and recommendations for improving national tax policy.

This article presents the results of an econometric assessment of the impact of investment intensity and the share of finished-goods exports on the industrialization level of the national economy. After comparing several alternative specifications, a final two-factor model with a break variable was selected, with a coefficient of determination of 0.90. Analysis of individual coefficients shows that most of the variation in the industrialization level is explained by the 2017 regulatory regime change, while the investment and export coefficients do not reach conventional significance thresholds. The results of the error correction model, Granger causality test, bounds cointegration test, Chow structural stability test, CUSUM test, and retrospective forecast check corroborate the model's conclusions from multiple angles. The findings empirically substantiate that the effectiveness of industrial policy depends not on the volume of instruments but on the institutional structure.

Today, in the context of the formation of the digital educational ecosystem, one of the urgent scientific tasks is the development of innovative diagnostic mechanisms that ensure a reliable and objective assessment of the professional activities of educators. This article theoretically and practically substantiates the multimodal diagnostic model for assessing the professional activities of educators. During the study, evaluation criteria and indicators were developed based on the integration of competency-based, systemic, activity-based, and digital pedagogical approaches. The opportunities for comprehensive monitoring of teachers' professional development based on artificial intelligence technologies, electronic portfolios, learning management systems (LMS), video lesson analysis, and digital traces of activity were also highlighted. The “MuhandislikWeb” information system and the "Engineers' Accounting" module developed by the author allow for the automation of the assessment process and an increase in the reliability of diagnostic results.

This article analyzes issues related to improving the methodology of financial management of investments based on the ESG (Environmental, Social, and Governance) approach. The study presents a comparative analysis of the national institutional foundations shaping the ESG ecosystem, an improved model integrating ESG with the ISO 37001 anti-bribery management system, and the financial advantages derived from the ESG ratings of Uzbek and major international companies. Furthermore, the article provides an in-depth examination of the existing problems and institutional constraints in implementing ESG principles into investment financial management practice, and develops scientific and practical recommendations for addressing them.

The article presents comprehensive research on methods for the targeted and effective use of digital educational resources in the world's leading higher education institutions and research centers, as well as on the implementation of modern educational technologies into the educational process that serve to form technical thinking, spatial imagination, and creative thinking in students.

The article analyzes the scientific and theoretical foundations of the concept of “implicit competence,” which is becoming increasingly relevant in modern pedagogy and psychology. It examines the evolution of the concepts of competence and competency (R. White, N. Chomsky), M. Polanyi’s theory of tacit knowledge, A. Reber’s concept of implicit learning, C. Dweck’s approach to implicit theories (mindsets), and H. and S. Dreyfus’s model of stage-by-stage skill acquisition. Drawing on an analysis of contemporary foreign and national scholarly literature, the article substantiates the structure of implicit competencies, their distinction from explicit competencies, and the mechanisms of their formation in the educational process.

The article examines approaches to improving the early warning system for credit and market risks based on digital indicators. Transactional, payment, financial, behavioural, and market indicators capable of identifying adverse changes before risk materialisation are analysed. A multi-level mechanism for classifying warning signals and linking them to bank management decisions is proposed. The study substantiates the use of dynamic thresholds and individual digital risk profiles.

This article examines how institutional mechanisms and strategic approaches of state investment policy influence the attraction of foreign direct investment (FDI). The study is based on institutional theory and employs the methods of systematization, comparative analysis, and dynamic time-series comparison. It systematizes the institutional mechanisms and strategic approaches applied in the Republic of Uzbekistan, including legal guarantees, organizational structures, incentive regimes, and instruments of international legal integration.