Digital technologies are constantly developing and entering various areas of our life. New innovations such as mobile applications, virtual reality, augmented reality and social networks offer new opportunities and improvements in digital tourism. However, in-depth research is needed to understand the specifics of using these digital technologies and their impact on tourists. This article describes the possibilities of using digital marketing in the preparation of tourism content of Bukhara region.

This article is dedicated to exploring the prospects of implementing digital technologies to develop pilgrimage sites in the Bukhara region. The use of modern digital technologies is essential for enhancing the region's tourism potential, preserving cultural heritage, and improving service quality for tourists. The article analyzes the positive outcomes and prospects of digitizing pilgrimage sites, mobile applications, virtual tours, and digital marketing. It also discusses the opportunities and potential risks associated with this process.

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

This article is devoted to the analysis of the main resources in the innovative development of tourism infrastructure. Tourism infrastructure plays an important role in improving the economy and international image of countries. The article considers the main factors in the innovative development of tourism infrastructure, such as digital platforms and mobile applications, IoT (Internet of Things) technologies, financial resources, education and training systems, and organizational resources.

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.

This article, the priority tasks of introducing modern technologies to banks are researched, and several priority tasks and stages that should be implemented in the widespread use of digital technologies in networks today are analyzed. Also, the priorities of introducing digital technologies to banking services during the digital transformation process are highlighted.

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.

In this article, the priority tasks of introducing modern technologies in the process of transformation of banks are researched, several priority tasks and stages that should be implemented in the widespread use of digital technologies in networks today are analyzed. Also, researches have been carried out on the introduction of identification systems in banks to determine the identity of the client.

The article examines the current trends in the digitalization of the banking sector, focuses on the analysis of international experience and the specifics of the introduction of digital technologies in Uzbekistan. Examples of successful transformation of banks such as Tinkoff Bank, WeBank and Monzo are given, which demonstrate the effectiveness of using mobile applications, artificial intelligence, blockchain technologies and CRM systems. The prospects for the development of Kapitalbank in the context of digitalization, including the introduction of new technologies, improving customer service and strengthening information security, are studied. Based on the analysis, recommendations are proposed to accelerate the digital transformation of the banking system of Uzbekistan, taking into account national characteristics and international experience.

This article provides a comprehensive analysis of the impact of digital marketing tools on the consumer decision-making process in the tourism industry. The study examines key elements of digital marketing, including social media, online advertising, search engine marketing, mobile applications, and user-generated content, and their influence on the stages of information search, evaluation of alternatives, and final choice of tourism services. Special attention is given to consumer trust, digital behavior, and the effectiveness of personalized marketing strategies. The findings of the study can be used by tourism organizations to enhance competitiveness and improve consumer engagement in the digital environment.

This article presents scientific and practical proposals for ensuring the liquidity of commercial banks in the context of modern globalization, increasing their role in the socio-economic development of the country and ensuring the continuity of payments in the national economy.