This article develops an econometric framework to formalize the determinants of consumer behavior and to quantify their effects on purchase decisions and consumption volumes. The analysis systematizes key drivers such as income and income uncertainty, prices and inflation expectations, household socio-demographic characteristics, access to information and digital channels, marketing exposure, and behavioral factors (trust and risk preferences). Methodologically, the study employs discrete-choice models (logit/probit) to estimate purchase probabilities, regression and panel data specifications (fixed/random effects) to model demand intensity, and strategies to mitigate endogeneity (instrumental variables and robustness checks). The proposed formalization supports evidence-based consumer policy design, market monitoring, and evaluation of interventions aimed at improving market transparency and consumer welfare.

This article examines how the EU, the U.S., and China address regulatory challenges in digital payments amid rapid technological advancements. Using a mixed-methods approach, it highlights diverse strategies in data protection, fraud prevention, and consumer rights, stressing the need for adaptable regulations that balance innovation and security. Recommendations include fostering global cooperation and harmonizing standards for cross-border transactions.

В статье подробно проанализирована экономическая среда, виды и этапы развития электронной коммерции, а также особенности поведения потребителей в цифровой среде. Электронная коммерция рассматривается как сложная экосистема, включающая не только процесс онлайн-продажи товаров и услуг, но и маркетплейсы, платёжные системы, логистику и алгоритмы рекомендаций на основе искусственного интеллекта. Обоснована необходимость междисциплинарного подхода к изучению потребительского поведения, охватывающего экономику, психологию, социологию и маркетинг. Также рассмотрено влияние доверия, персонализации, социальных доказательств и внешних факторов (например, пандемии) на потребительские решения в цифровых платформах. На основе анализа зарубежных и отечественных    исследований     выявлены    как    глобальные,    так    и     региональные

Today, the most effective organization of mass production in all industries, in particular in textile enterprises. In market conditions, continuous production planning is advisable. Creation of new high-tech jobs, technical and technological renewal of enterprises, introduction of a progressive "cluster model" by ensuring high and sustainable growth rates of the textile industry in the country, attracting and mastering foreign direct investment, production and export of competitive products, implementation of strategically important modernization projects. Systematic work is being carried out to further deepen the structural reorganization aimed at In this article, the factors and methods of increasing the efficiency of investment flows into textile enterprises will be considered and analyzed.

This article explores the regulatory framework and legal aspects that constitute yhe basis for the evolution of digital lending in the banking sector. In current financial landscape, banks are increasingly using digital technologies to transform retail lending practices. This article explores the digital transformation of retail lending and the legal frameworks that will regulate it, protect consumer rights, and ensure the integrity of financial systems.

This study analyzes the theoretical and methodological foundations as well as the practical significance of introducing a system of mandatory digital labeling of goods in the Republic of Uzbekistan. The essence of digital labeling has been scientifically substantiated, namely its role in ensuring full traceability of goods, guaranteeing their authenticity and quality, and creating a transparent information environment for tax and customs authorities. Furthermore, the economic importance of this system has been highlighted, particularly its effectiveness in increasing state budget revenues, reducing the shadow economy, limiting the circulation of counterfeit products, protecting consumer rights, and deepening the processes of digital transformation in the national economy. A comparative analysis has also been conducted based on international experience.

This article examines such important conditions for entrepreneurship development as ensuring the rights and freedoms that define the independence of business entities, access to sufficient financial resources, common trade legislation, and the availability of tax incentives. Accordingly, all countries are creating effective mechanisms and mechanisms to ensure the sustainability of the vital activity of private enterprise.