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Scientific and Methodological Approaches to Assessing Digital Maturity in Formulating Innovative Development Strategies for Commercial Banks

Sherbekova Kamola Norbekovna

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 9, No: 7
2026-07-10
Abstrak

The rapid advancement of digital technologies has fundamentally transformed the competitive environment of the banking sector, making digital maturity a critical determinant in formulating innovative development strategies for commercial banks. Th...

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Digital Transformation and Institutional Voids: An Empirical Analysis of Social Engineering Tactics in Uzbekistan’s Banking Sector

Feruza Nabieva

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 9, No: 7
2026-07-10
Abstrak

The rapid digitalization of Uzbekistan’s financial sector has created a profound paradox: while a "fintech boom" has accelerated economic growth, it has also fostered "institutional voids" in cybersecurity. This study investigates the adaptation o...

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Artificial Intelligence-Driven Digital Transformation of Investment Project Management in Large Industrial Enterprises: Evidence from Almalyk Mining and Metallurgical Complex (Uzbekistan)

Shaxnoza Arifdjanovna Abdullayeva

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 9, No: 7
2026-07-10
Abstrak

The rapid development of digital technologies and artificial intelligence (AI) has fundamentally transformed project management practices across industrial sectors. Large mining and metallurgical enterprises, characterized by complex investment po...

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Institutional Characteristics of Managing Industrial Enterprises and Existing Problems in Their Operations

Xusanova Malohat Mingnorovna

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 9, No: 5
2026-05-31
Abstrak

Industrial enterprises play a vital role in ensuring sustainable economic growth, technological development, and national competitiveness. The effectiveness of their management depends not only on internal organizational factors but also on the in...

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The Strategic Perspective on the Relationship Between Digital Maturity and High-Reliability Healthcare Organizations

Akeel Nadhim Mohammed; Dr . Tariq Kadhim

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 9, No: 7
2026-07-09
Abstrak

This study used a descriptive-analytical technique to evaluate the degrees of digital maturity and high-reliability organization principles in the Dhi Qar Health Directorate and investigated the impact of digital maturity on improving high-reliabi...

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Economic Statistical Analysis of Marriage and Divorce Indicators of the Population

Siroj Zarina Rustambekovna

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 9, No: 7
2026-07-08
Abstrak

This article provides an economic and statistical analysis of divorce processes in the Republic of Uzbekistan. Using official statistical data for the period 2018–2024, the dynamics of divorces at the national and regional levels are examined, and...

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Current State and Development Trends of Agricultural Financing in the Republic of Karakalpakstan

Kamiljanov Berdakh

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 9, No: 7
2026-07-08
Abstrak

This study examines the current state and development trends of agricultural financing in the Republic of Karakalpakstan. The research analyzes the main sources of agricultural financing, including commercial bank loans, state budget funds and int...

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The Role of Small Business in the Formation of Household Incomes and Regional Disparities in Poverty

Djalilova Shaxlo Ismoiljon kizi

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 9, No: 7
2026-07-07
Abstrak

In a modern market economy, small businesses and private entrepreneurship serve as vital catalysts for boosting household incomes and Alleviating poverty. This study investigates the strategic role of small business entities in driving economic ex...

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Strategic Directions for Improving Risk Management Systems in Commercial Banks

Sherzod Fayziyev

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 9, No: 7
2026-07-07
Abstrak

In this paper has been investigated organization of a compliance and control system based on an integrated management mechanism, which serves to increase the effectiveness of risk management in commercial banks, has been improved, and it is propos...

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A Next-Generation Integrated Data-Driven Framework for Corporate Creditworthiness Assessment Using Financial Technologies, Artificial Intelligence, and Government Data

Bekhzod Yusupov

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 9, No: 7
2026-07-06
Abstrak

This article develops and empirically tests an integrated data-driven framework for corporate creditworthiness assessment. The proposed framework, named FinTech-Based Corporate Credit Assessment Framework (FT-CCAF), combines internal bank data, cr...

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