This article examines the benefits of use of business intelligence systems to improve the efficiency of management and control over accounting of production costs at enterprises engaged in the production of products.

. In the context of digitalization of the economy, small businesses are increasingly turning to artificial intelligence technologies to improve the efficiency of customer service and optimize business processes. One of the most promising areas is the introduction of intelligent chatbots that can automatically process customer requests, provide advice and support the user at the stage of making a purchase decision. This paper examines the process of designing and implementing a chatbot with elements of natural language processing designed to interact with small business clients. The development stages are described, including domain analysis, formalization of user scenarios, construction of the system architecture, selection of technologies, prototype implementation, and user testing. The results of the pilot implementation showed a high degree of relevance of responses, ease of interaction and the potential for integrating such a solution into the existing business environment. The data obtained confirm the feasibility of using intelligent chatbots in small businesses as a tool for automating primary consulting with limited resources.

This article comprehensively analyzes the role and importance of artificial intelligence technologies in improving the quality of services in the tourism sector. The research covers in detail the main functional capabilities of artificial intelligence, including individualization of services, automation of business processes, predictive analytics, and digital analysis of customer opinions. Also, the impact of modern digital solutions - chatbots, virtual assistants, dynamic pricing mechanisms, and automated booking systems on the efficiency and competitiveness of tourism services is scientifically substantiated. The article shows that the increase in tourist flows and the growth in demand for services in the conditions of the Uzbek tourism market makes the introduction of artificial intelligence technologies an urgent task. At the same time, it is emphasized that the effective implementation of these technologies is inextricably linked with the development of infrastructure, digital competencies, and the training of qualified personnel. The results of the study show that artificial intelligence is an important strategic factor in improving the quality of service in the tourism sector, rational use of resources and ensuring customer satisfaction. The conclusions presented in the article once again confirm the increasing importance of artificial intelligence technologies in the tourism sector in the context of digital transformation.

The article examines the practical significance of artificial intelligence (AI) technologies in transforming and enhancing the efficiency of the service sector at both global and national levels. Based on an analysis of international research and statistical data, it is demonstrated that AI contributes to process automation, optimization of business models, and personalization of customer experience. Particular attention is given to the experience of Uzbekistan, where the implementation of AI is considered a key element of the state program “Digital Uzbekistan – 2030.” The paper presents examples of successful AI integration in the banking sector, healthcare, education, and tourism, and identifies institutional challenges and prospects for further development

The article is devoted to analyzing the transformation of the banking sector in the context of the active implementation of artificial intelligence (AI) technologies. It examines the key areas of AI application in banking activities, including automation of operational processes, intelligent risk management, personalization of customer services, and the development of innovative financial products. Special attention is given to how AI changes traditional banking business models, enhances banks’ competitiveness, and creates new strategic advantages in the financial market. The challenges and risks of digital transformation  including cybersecurity issues, the ethics of AI usage, and compliance with regulatory requirements  are analyzed. The study concludes that the integration of AI technologies into the banking system is becoming an essential condition for its sustainable development and global competitiveness.

The article discusses the prospects of using artificial intelligence (AI) in the field of tourism. AI offers a wide range of tools and technologies that can significantly change the tourism industry. The article analyzes both the positive and negative experience of using AI, examines examples of successful international projects and highlights the key risks and challenges associated with the introduction of AI. In conclusion, recommendations are offered for the effective and ethically responsible integration of AI into the tourism business

The article discusses the growing importance of the informatization sector in the economy of Uzbekistan. The development of information technologies and their integration into the economic system play an important role in ensuring the country's economic growth, increasing efficiency and competitiveness. Informatization allows to further simplify and accelerate economic processes through the introduction of modern technologies, especially in the areas of public administration, business and education. In particular, the digital economy, e-commerce, online services, as well as the use of databases and artificial intelligence technologies allow to achieve effective resource management and optimize production and service processes. The development of informatization also affects the improvement of the business environment, the creation of new jobs and ensuring economic stability. The article discusses the integration of information technologies into the economy, digital transformation processes and related economic results. The report also analyzes the opportunities and challenges arising from the transition of Uzbekistan to a digital economy.

Рақамли трансформация замонавий бизнеснинг ажралмас қисмига айланяпти ва сунъий интеллектни (СИ) компания жараёнларига жорий этиш самарадорликни ошириш учун янги имкониятлар яратади. Аммо маълумотлар ҳажмининг ўсиши билан уларни ҳимоя қилиш ва махфийлик принциплари бўйича қонунларга риоя қилиш муҳим аҳамиятга эга. Ушбу мақолада рақамли трансформациянинг асосий жиҳатлари ва СИнинг маълумотларни ҳимоя қилиш қонунчилигига мувофиқ жорий этилиши кўриб чиқилган. Махфийликни таъминлаш методларига, жумладан маълумотларни анонимлаштириш ва шахсий маълумотларни ҳимоя қилиш учун машина ўрганиш алгоритмларидан фойдаланишга алоҳида эътибор қаратилган.

The article discusses the history of the development of digital technologies and their involvement in economic relations, based on various sources. By analyzing the key stages of scientific and technological progress, conclusions are drawn about the scope and scale of the economy. The latest scientific innovations in the development of the modern economy and their role and significance in shaping the digital economy are thoroughly analyzed. The compliance of legal and regulatory frameworks supporting entrepreneurship and small business development in Uzbekistan's digital economy with modern requirements is comparatively studied.

In this article, the main directions of the development of FinTech strategies in commercial banks are presented on the example of banks operating in Uzbekistan. Among the main areas of FinTech strategies are digital payment systems, artificial intelligence (AI) and data analysis, blockchain, banking mobile applications, digital banks and FinTech startups. Also, the changes in banks as a result of their application were analyzed based on the data of the Central Bank of the Republic of Uzbekistan. In this, information about plastic cards in circulation in banks, payment terminals installed by banks, ATMs, infokiosks, bank applications, digital banks from 2001 to August 1, 2024 was presented and analyzed graphically.

The article explores the risks associated with the use of digital platforms and their impact on the economy, security, and social life. It analyzes the differences in the development of the digital economy between developed and developing countries, as well as the challenges of measuring it statistically. Furthermore, the article provides a detailed overview of risks related to digital platforms – from social environment threats to financial fraud, cybercrimes, psychological impacts, and algorithmic manipulations. Specific measures for developing e-commerce in Uzbekistan, existing obstacles, and international experience are also discussed. Real-life examples of common types of internet fraud are presented to raise public awareness and digital literacy.

This paper examines the impact of Internet technologies on the development and management of the tourism industry. I took the Republic of Zimbabwe, which is located in southern Africa, as an example to reveal this topic. Zimbabwe is in the process of development, which could lead to a clash with an unstable economy and politics since 2000. Despite its rich cultural heritage, it has suffered negative experiences due to international advertising, a significant reason for the rapid spread of which is online platforms. It is accepted that information and communication technologies (ICT) are aimed at helping rapid growth, but this situation shows how they can harm the reputation of a tourist destination, which is in the stage of economic development. The study examines the main reasons for how tourism operations are changing, focusing on promotion, customer interaction and business efficiency under the influence of digital transformations. It also analyzes the significant problems for tourism enterprises when using Internet technologies, and recommends steps on how to achieve achievements and advantages over competitors using digital tools. Key topics are digital promotion tasks, distribution through social networks, the invention of online travel agencies (OTA), the use of big data and artificial intelligence (AI) and the unification of the Internet of Things (IoT) in the tourism industry. Finally, one can get acquainted with the application of the dual role of ICT in both promotion and potential instability in countries that are in the process of economic development.

In today's rapidly changing market environment, innovation is the key to success for any business or organization. Strategic management through innovation plays an important role in maintaining competitiveness and development of enterprises. This article discusses the role and importance of innovation in the strategic management system.