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.

Tourism is a labor-intensive industry that provides diversified employment in many different sectors of the economy, as it includes various types of economic activities that create a common tourism product. Our task in this article is to study international recommendations and explore the impact of tourism on the employment market and vice versa the employment market on tourism, as well as to offer a number of recommendations for improving the methodology for accounting of employment in the tourism sector.

This article describes the analysis and problems of tourism service activities in the Republic of Karakalpakstan, the effective use of tourism potential in the near future, increasing the attractiveness of the region for domestic and foreign tourism markets, improving tourism infrastructure, identifying cultural heritage, culture and art, introducing new tourism services, measures to increase the types of national handicraft products, create new jobs in this area, and it is said that work will be carried out in this direction.

This article is devoted to the role of management accounting in the analysis of the company's activities, it examines the analysis of management in a market economy. The purpose of the study is to substantiate the role of management analysis in the development of an enterprise, which is considered one of the modern types of economic analysis, previously considered indivisible. Also, in the discussion and results section of the article, the issues of applying the BSS methodology (Balanced Scorecard Systems), one of the methods of management analysis at domestic enterprises, studied the KPI system (Key Performance Indicator) of this technique, its advantages and disadvantages are presented. At the end of the study, author's proposals were formulated based on the results of this study.

The article examines the types of exchange rate differences that arise as a result of transactions with various foreign companies during the financial and economic activities of enterprises and their recognition in the accounting system of the enterprise and according to tax legislation. Conclusions and suggestions are given on the conducted researches.

The article discusses the risks faced by commercial banks in their daily activities, which can negatively affect the financial condition and stability of banks. Banks face several types of risks in their activities. For this purpose, financial, operational, strategic, reputational, legal, international, natural disaster and environmental risks, medical and health, security, cost, technological risks are studied, and the requirements developed by the Basel Committee for studying the risks of banks are also studied.

The article presents the features of insurance in the tourism sector and the classification of risks faced by this industry. The conditions for providing insurance services in the tourism sector, types of insurance products, points of interaction between insurance and tourism activities, problems of joint activities and ways to overcome them, as well as development measures are analyzed.

In carrying out their activities, commercial banks, as well as any economic entities operating in a market economy, strive to obtain maximum profit. However, it should be noted that any operations carried out by banks have a high risk impact. The article analyzes the economic essence of bank risks, the scientific views and approaches of various scientists and researchers, and also pays special attention to their classification.

This article describes the role of services in improving the well-being and standard of living of the population of modern areas, their uniqueness, as well as the types of activities included in services. The share of the service sector by types of economic activity is analyzed.

This article discusses the concepts of profit, its types, as well as its economic essence. Profit is the main goal of any business, and maximizing it is the main objective. The study and correct formation, distribution and use of profits is an indicator of the competent implementation of a business. The article discusses various types of profit, as well as various ways of generating profit. This analysis will help determine which areas of activity should be developed and what should be cancelled. Statistical data on the profits of enterprises for the last year period are also considered. According to the data, it can be observed that many enterprises may be unprofitable, but not cease their activities, since this area of activity is necessary for the country’s economy

The article economically analyzes the current state of the use of digital platforms in the development of business exports, and makes proposals for the creation of a unified database of information on the volumes and types of products produced by business entities, as well as for the development of financing. mechanisms for promising projects in the field of entrepreneurship and innovation.

This article examines the theoretical and methodological foundations of special economic zones, and presents the different aspects of free economic and special economic zones. The purpose of the article is to research the foreign trade policy from a scientific point of view, which has achieved an "economic miracle" through the formation of special economic zones in the world economy, that is, the organization and development of the activities of special economic zones in the world economy, and the development of the national economy. on the basis of summarizing its positive aspects, it is to develop proposals for the establishment of special economic zones in Uzbekistan and its development prospects, as well as the possibilities of using the world experience in the establishment of special economic zones in Uzbekistan. As a result of the research, the following conclusions and proposals were formed: free economic zones are also a type of special economic zones, and free zones describe the activity of free ports; in the practice of foreign countries, free trade zones, free production zones, free economic zones, technological-innovation parks and other types of special economic zones are widely used.

The article describes the role of self-employment in the legalization of informal employment and bringing business out of the “shadow”, the conditions and opportunities created, foreign experience in this regard and measures implemented in our country. The article also provides proposals for further improving the regulation of self-employment through taxes.

The article examines various opinions and views of scientists on the assessment of the tax burden fron the theoretical point of view, the author analyzes the indicator of the tax burden, the practice and procedure of taxation for individuals, its current stat. In addition, the author has developed scientific conclusions and proposals for assessing and distributing the level of the tax burden of taxpayers.

Diversification of the structure of the economy in Uzbekistan and its competitiveness, consistent introduction of market mechanisms to all sectors of the economy, reduction of poverty and increase the well-being of the population,rapid development of the digital economy, transformation of state companies, ensuring sustainable economic growth by reducing the participation of the state in the economy constitute the priorities of economic reforms currently being carried out. Within the framework of these economic reforms, the definition of urgent tasks for “formation of a free competitive environment in the commodity and financial markets”, “popularization of the life insurance network and personal insurance among the population, their large-scale promotion and development of new types of life and personal insurance” is a theoretical analysis of insurance activities in the country- it indicates the need to carry out research work on improving the methodological and practical basis, increasing the level of salinity and quality of insurance services in the structure of financial services.

The article is devoted to the formation of a competitive environment in the service industry, a more in-depth study of the demand for services in the future, the role of benchmarking in the development of innovative activities in organizations and the effective management system of the service market. Benchmarking is the study of the "best" services and goods in the organization's marketing policy, the marketing process, and the development of one's own way of working, taking into account the achievements and shortcomings of direct competitors. This includes the organization and management of events, the search for the necessary financial resources, information supply, the provision of basic and additional types of services, the achievement of coordination with the service personnel, the organization of the flow of services and their security.

The article provides a detailed description of the role of international logistics, its functions, and the tasks associated with the development of international logistics, international economic relations, and international economic cooperation. Depending on the nature of the activity and the nature of the activity, the following types of activities are distinguished. In conclusion, recommendations are given.

In this article, the author highlights the importance of the state of cultural heritage objects in museology and the results of new reforms and analyzes based on foreign experience and the decisions of the President of our country, and analyzes the trends in the modernization of tourist interest and tourism services through digital technologies, including various museology concepts, types, origins, and opportunities for visiting museums that our country needs today. 

This article examines the concept of profit, how it is formed and the factors that influence it. Profit is affected by many factors, and they were divided into two groups: external and internal factors. Bank profit is formed on the basis of the bank's credit, deposit, settlement and other types of banking activities. Traditionally, the largest share falls on the margin, that is, the difference between deposit and credit interest. The scientific work also examines and analyzes the practical data of the entire banking system throughout 2023. Based on these data, the largest share of the income item, as well as expenses, was determined. In addition, it is possible to observe the dynamics of increase and decrease in interest and non-interest income.

This article analyzes the current state of the financial markets of countries such as Malaysia, Indonesia, and Bangladesh, which operate in a dualistic financial system by integrating the alternative financial system into the conventional financial system. In particular, this article focuses on a comparative analysis of the participation of Islamic and conventional banks in the financial markets of Malaysia, Indonesia, and Bangladesh, examining the state of financing of the production and service sectors, attracting investments, and other types of service activities. This study mainly uses a quantitative approach.

The proposed methodology for improving freight delivery enables the calculation of all types of shipments and reduces delivery time. It defines the decision-making process during the execution of various operations at stations. A model based on mathematical modeling of the technological process dependency is proposed for making effective decisions. To verify the methodology for standardizing transportation duration, it is necessary to organize the process considering the delay of each technological operation. The main reason for applying standards is to accelerate cargo delivery and ensure the proper distribution of penalties among railways for late delivery. In turn, this will help develop contractual relationships with clients and improve the overall system.