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.

Digitalization of national payment systems is one of the prerequisites for ensuring their effectiveness. At the same time, digitalization of these systems is carried out through the introduction of digital technologies by payment and settlement service providers, aimed at gaining competitive advantages by optimizing the provision of services and data processing, as well as the formation of customer-oriented business models.The article examines and summarizes the best practices of foreign countries in the field of digitalization of cashless payments.

This article provides a systematic analysis of the socio-economic significance of tourism digitalization in Uzbekistan. Drawing on the international experiences of South Korea, Singapore, Estonia, Spain, and Turkey, the study examines the impact of digital solutions such as smart tourism, e-visa systems, online booking platforms, digital marketing, and electronic payments on tourism development. The paper also evaluates recent trends in Uzbekistan’s digital infrastructure, electronic services coverage, tourist flows, and tourism exports. Comparative analysis reveals that effective use of ICT substantially enhances tourism efficiency, service quality, employment opportunities, and overall economic activity. The article concludes with recommendations aimed at further strengthening the digital transformation of the tourism sector.

This article examines the impact of digital banking platforms on international trade. Digital platforms play a crucial role in accelerating international payments, reducing costs, automating currency conversion, expanding credit opportunities, and ensuring security. Additionally, digital technologies facilitate the simplification and development of international trade operations.

With the rapid development of digital technologies, financial control has become a key area of application for innovation. financial control became the main area of application of innovations. This article explores the importance of using digital innovations such as artificial intelligence, big data analytics and blockchain to streamline and improve decision making. Process automation, improvement of analytical capabilities, as well as the impact of electronic payments and financial technologies on the efficiency of financial management are studied. The article assesses the problems associated with the introduction of digital technologies in the field of financial control, and presents proposals for conducting scientific research and the successful application of innovations in this area.

This article analyzes the impact of financial technologies (FinTech) on the development of Uzbekistan’s financial system. It is argued that FinTech projects serve as an essential tool for improving financial inclusion, enhancing service efficiency, and boosting economic productivity through digital payments, mobile banking, and microcredit services. The discussion is based on statistical data, international practices, and national legislation, highlighting the future potential of FinTech in the country.

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.

This paper explores the impact of digitalization on the treasury systems of developed countries and analyzes key technologies such as cloud solutions, blockchain, and electronic payments used to enhance financial management efficiency. It examines examples of innovative solutions implemented in the USA, the UK, Germany, Canada, Japan, Estonia, and other countries, highlighting both the advantages and challenges of their use. Particular attention is paid to increasing transparency, security, and optimizing government spending through modern digital platforms

This article analyzes the legal foundations, methodology and initial results of implementing the stability rating system for business entities in Uzbekistan. The aim of the study is to explain the essence of the rating system, to identify changes in the assessment criteria and to determine their impact on tax compliance and the stability of the business environment. Methodologically, the research employs descriptive and analytical analysis, a comparative approach based on international experience, diagnostic assessment and digital monitoring techniques. The empirical base relies on the information systems of the State Tax Committee, official statistical data and national regulatory acts. The findings show that, after the introduction of the stability rating, there has been a significant increase in timely tax payments, on-time submission of tax reports, the use of electronic invoices, overall employment and the employment of socially vulnerable groups. Furthermore, the paper substantiates that calculating the rating on the basis of 30-day average scores and introducing new incentive and penalty indicators have enhanced the transparency of the system and expanded the possibilities for selective fiscal management. The author proposes further improvement of the rating system, taking into account sectoral and regional specificities, as well as its more active use in the practices of banks, investors and public procurement.

This article discusses the prospects of applying financial technologies in insurance products and their impact on new opportunities and challenges within the insurance sector. Financial technologies such as artificial intelligence, big data, blockchain, mobile applications, and digital payment systems enable the personalization, automation, and acceleration of insurance services. The article also explores the challenges companies face when implementing these technologies and the ways to overcome them

The scientific article analyzes the role of women in the popularization of innovative banking services in developing countries. Uzbekistan, Turkey, Malaysia, and Saudi Arabia were considered as developing countries in the analysis. The analysis was conducted on the basis of statistical data for 2014-2021. According to the results of the analysis, innovative banking services among women in our country are not sufficiently developed and, unlike other countries, digital banking services are not widely used by women.

This article highlights potential strategies and approaches for improving taxpayer service mechanisms in Uzbekistan. Implement a comprehensive digital transformation strategy to modernize the tax administration. Development of user-friendly online portals and mobile applications that enable taxpayers to file returns, make payments and access tax information conveniently. Initiate taxpayer education campaigns to increase awareness of tax obligations, benefits and deadlines. Simplification of tax procedures and forms, their simplification and convenience for taxpayers. In particular, simplification of taxation requirements for small businesses and individual taxpayers will be explored. Increase transparency in tax processes by providing taxpayers with clear explanations on tax assessment and refunds, and invest in training and capacity building of tax authorities to ensure effective service to taxpayers. Improving taxpayer service mechanisms in Uzbekistan is important to encourage voluntary compliance, reduce tax evasion and promote a positive business environment.