It is obvious that tourism has become an integral part of the economy, which in many countries has led to the widespread use of small businesses using social media marketing. This study focuses on the impact and importance of marketing for business. An increase in the number of media subscribers among business owners can significantly increase the demand for specific products or services in the tourism sector. Digital marketing plays an important role in attracting customers and establishing brand popularity among competitors. In particular, this project aims to illustrate the role of marketing in business in the Uzbek market. Currently, the digital landscape offers services that allow customers to access a variety of information through their devices on platforms. Moreover, business leaders have the right to use marketing tools to increase brand loyalty. In short, this study focuses on user acceptance rates. Collects data on the effectiveness of stores in the market in Uzbekistan. Small businesses provide the opportunity to use digital marketing tools that attract loyal customers who are willing to invest in specific products or services in the tourism industry (for example, hotels, hostels, restaurants, spas, pubs, bars, etc.). Studying marketing can help raise awareness in society, leading to an impact on opinions people. Therefore, achieving success in the media is crucial to achieving goals in any business.

In our country, a lot of attention is paid to the development of e-commerce, and it is certainly not for nothing. Because this type of trading has many advantages for both organizations and customers. Organizations will be able to increase their income, increase the number of customers, and also sell their goods and services to foreign countries through e-commerce. Customers, in turn, will have the opportunity to buy goods online from home.

In this article, the advantages of the transition to international standards of financial reporting and the procedure for determining the price of the operation according to the standard of IFRS No. 15 "Revenue under contracts with customers" are given. Also, in cases where there is a significant component of financing, the issues of recognition of revenues, financial income and expenses, long-term trade receivables and contractual obligations, reflection in accounting accounts and financial reporting are covered.

The article provides an analysis of innovative technologies and human resource policies to improve service efficiency in telecommunications companies. It emphasizes the importance of implementing advanced technologies such as 5G, IoT, artificial intelligence, and cloud services in today’s competitive market. These technologies create opportunities for automating interactions with customers, ensuring rapid data exchange, and enhancing security. Furthermore, attracting employees with high qualifications and skills in modern technologies contributes to improving service quality.
The article also discusses the issues of building 5G networks, monitoring devices through IoT, optimizing service processes through artificial intelligence, and centralized data storage via cloud technologies. It presents recommendations for telecommunications companies to ensure high-quality services for customers and strengthen their competitiveness in the market.

The article is devoted to the development of effective methods of accounting and financial reporting for export operations in enterprises of the agricultural sector. The study substantiates the need to integrate national accounting regulations (NAS/Accounting Standards) with International Financial Reporting Standards (IFRS), in particular IFRS 15 “Revenue from Contracts with Customers”, in relation to the accounting of agricultural product exports. It is shown that the implementation of a unified methodological model for accounting export operations, including revenue recognition, foreign currency accounting, and accounting for exchange rate differences, contributes to increasing the transparency of financial statements, reducing the risks of distortion of financial indicators, and strengthening the investment attractiveness of agricultural enterprises.

Digital marketing has become a key factor that determines the competitiveness and growth of small enterprises across the world. Within Uzbekistan, the phenomenal adoption of digital technologies, the growth of internet penetration, and the growing popularity social media platforms, have fueled a revolutionary change in the marketing landscape. Small and medium-sized enterprises (SMEs) are also increasingly using digital tools to help them promote their products, engage with their customers and expand their market reach. This investigation examines key digital marketing approaches that are used by small businesses in Uzbekistan and assesses their effectiveness in improving business performance. Drawing upon a qualitative methodology, combining the analysis of academic publications, industry reports, digital marketing studies relevant to the Republic of Uzbekistan, the results show that social media marketing, search engine optimisation (SEO), influencer marketing and e-commerce platforms are the most widely used methods among SMEs in the Republic of Uzbekistan. Notwithstanding the ubiquitous use of digital marketing, many small enterprises face challenges related to digital literacy, financial resources, and strategic planning. The study concludes that augmentation of digital competencies, investment in analytics tools as well as development of integrated marketing strategies can play a significant role in boosting SME competitiveness in the Uzbek market.

В данной научной статье рассматривается совершенствование организационно-экономического механизма организации и управления клиентоориентированной маркетинговой деятельностью в коммерческих банках. В частности, предложен иерархический подход, позволяющий разрабатывать и оценивать клиентскую политику. Для оценки уровня удовлетворенности клиентов банковскими услугами в коммерческих банках представлена обновлённая методология на основе применения метода GAP-анализа. Предложена специальная инструкция для сотрудников маркетингового отдела по работе с клиентами, а также по выполнению организационных и аналитических задач. Кроме того, разработаны методические основы сегментированной маркетинговой политики, направленной на повышение конкурентоспособности коммерческих банков, а также принятия стратегических решений, соответствующих микро- и макросегментам потребителей.

This article covers the investment activity of the Republic of Uzbekistan, the volume of invested investments and their statistical analysis, sources of financing of invested investments, the division of centralized and decentralized investments, invested investments in fixed capital by district by sources of financing, the technological composition of invested investments in fixed capital, invested foreign investments and loans, investments and loans in fixed capital by types of economic activity, the investment policy of Navoi region and its specific features. The effective functioning of the investment market of Navoi region should be constantly and systematically assessed from the point of view of various entities (investors, contractors, customers, design and research organizations), investment objectives, investment demand and supply, and state policy. In this regard, it is appropriate to consider in more depth the problems of the essence and specific features of the investment market, the need to develop effective management solutions in

In this article, the main problems in the accounting of cash and equivalents, the transition from strictly regulated accounting to accounting based on the principles of MFRS are recommended. On the basis of foreign experiences, proposals were developed to improve the composition of cash and cash equivalents. Accounts for recording cash flows have been included in the working chart of accounts of enterprises, and their accounting procedures have been developed. The issues of IFRS No. 15 “Revenue from Contracts with Customers”, IAS No. 21 “The Effects of Changes in Foreign Exchange Rates” and International Standards on Accounting for Financial Instruments” on the organization of cash accounting, and the liberalization of cash transactions were studied.

In this article, based on the analysis of the necessity of the innovative marketing strategy of commercial banks in modern conditions, the main principles, and the methods of its implementation, ways to increase its effectiveness have been developed. At the same time, the conclusions of foreign and national researchers in this direction and the strategy of commercial banks in the direction of attracting customers were studied.

The article explores the organizational and economic foundations of state support and development of small businesses in the trade sector. The study examines the role and importance of marketing research, conditions for small business development, and the factors influencing it. Proposals are developed for utilizing franchising and merchandising to foster small business growth and retain customers in trade. In this context, recommendations are provided for transitioning to a customer-oriented strategy.

This article examines retail banking products in commercial banks and their impact on the efficiency of banking activities. Through a comprehensive analysis of relevant literature and empirical data, the author studied various dimensions of retail banking products and their impact on banking efficiency. In addition, the article conducted research and analysis on the areas of transformation and digitization of banks, the role of retail banking products in increasing bank income, improving customer relations, and saving bank costs. In general, the article examined how retail banking products contribute to the efficiency of banking activities and conducted a comprehensive analysis on the example of JSCB with foreign capital “Hamkorbank”.

The article describes a number of risk types that may arise as a result of the digitalization of traditional banking activities as a result of the transformation of banking activities and the level of risk may increase, the most common types of cyber threats aimed at bank customers and banks themselves and their specific aspects, New risk management systems in banks, steps of strategic bank risk management, and author's approaches to effective risk management in the digital environment are presented. Overall, this paper provides insights into the multi-faceted nature of risk posed by commercial banks in the face of transformation and digitization, and what can be done by banks to effectively manage and mitigate this pervasive risk factor and ensure sustainable growth for banks. provides information on the various methods used.

The article analyzes the issues of increasing the competitiveness of textile enterprises. Also, the assessment of the competitiveness of products is carried out in several stages, including an analysis of the needs and requirements of customers, an analysis of the characteristics and quality of products, comparison with analogues on the market, an analysis of the price and margin of products.

The article presents the term diversification, its history and definitions given on this subject by european, russian, uzbek scientists, and the author also gives a definition. The role, significance and types of diversification in the service sector in the process of globalization are analyzed. It explains how diversification can help in a competitive market, thanks to which you can achieve financial stability, have your own place in the market, be able to assess risks, and be able to correctly allocate resources. , it is mentioned in detail that it can withstand the economic downturn, addressing the problems associated with the sector. The article provides information on the possibility of increasing customers and achieving their loyalty through diversification of services.

This article presents an analysis of scientific and theoretical approaches aimed at the introduction of international transformation processes, highlights strategic trends in the economic and technological environment of international transformation processes in the activities of commercial banks of the Republic of Uzbekistan. Justification of the expediency to ensure transformation in the form of transactions and transactions aimed at meeting the customer's need for banking services and charging fees based on digital technologies.

This article examines the concept of a banking ecosystem, the creation of a "banking ecosystem" as a modern model of international transformation processes in the activities of commercial banks in Uzbekistan and the processes of digital transformation of commercial banks. Is presented the role of the banking ecosystem in turning the banking industry into a kind of financial "supermarket" by radically changing the relationship between the bank and the client based on the organization of the banking ecosystem, increasing the prestige of the bank, rapid digitization of economic relations, expanding the offer of a wide range of banking and non financial services to customers.

This article examines the concept and essence of retail business, retail lending and retail customer service, the role and importance of the implementation of social packages of services in the development of the country's economy, the donation of local and international financial institutions and foreign banks in the formation of banking resources. Moreover, the role and importance of the development of lending to retail customers, which is significant for a commercial bank, are considered. The perspective of the development of retail banking lending and its role in the development of the country's economy is considered. Suggestions and recommendations for improving retail lending are given

The development of information technology and growing competition in the hotel services market necessitate the active use of innovation in the activities of modern hotels. Innovation is now considered one of the important competitive advantages in the hospitality industry. Innovation in the hospitality industry can be defined as an innovation implemented in practice in the form of a new or improved product, process or method, created as a result of the introduction of new ideas and knowledge to better meet the needs of customers of the hotel enterprise. Hospitality technology innovation refers to new and improved methods and tools used in the hospitality industry to improve efficiency, convenience, and customer satisfaction

This article provides information about the relevance of organizing an excursion service in the tourism industry. Because tourism has developed and is currently developing, the development of excursion services is of great importance for any tourist area. By organizing an excursion service, it encourages the sustainable development of tourism in the region, if potential customers have sufficient information about the tourist area. Therefore, the excursion service is currently considered one of the main types of services in the organization of tourism.