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The Role of Digital Technologies and Human Capital in Improving Bank Efficiency

Nodirbek Nomoz ugli Khushvaktov

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 8, No: 12
2025-12-29
Abstrak

This paper discusses the effect of digital technologies and human capital towards the improvement of bank efficiency while under the conditions of digital transformation. It examines the effects of digitalization on banks based operational process...

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Mechanisms for Reducing Financial Risks in the Context of Digital Economic Transformation

Rustam Shukhratovich Abdusamatov

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 8, No: 12
2025-12-28
Abstrak

The digital transformation of the economy entails considerable shifts in the structure and nature of financial risks to be borne by the financial system. As different verticals embrace digital technologies, cyber, system, operational and liquidity...

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The Impact of Income Inequality on Household Consumption in Iraq After 2004

Mohammed Mazen Kazem; Iqbal Hashim

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 8, No: 12
2025-12-31
Abstrak

This study investigates the impact of income inequality on household consumption expenditure in Iraq during the post-2004 period, a phase characterized by profound political, economic, and structural transformations. The Iraqi economy, as a rentie...

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Specific Features of Methods for Assessing Supply and Demand in Tourism

Suyunov Alijon

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 8, No: 12
2025-12-28
Abstrak

Tourist demand is the sum of the needs, desires and opportunities of tourists to travel to a certain area and use tourist services in a certain period of time. Tourist supply is based on the real provision of tourism facilities, service infrastruc...

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LLM-Powered Feedback in K–12 Education: Designing for Reliability, Fairness, and Cross-Context Scalability

Malik Normuradov

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 8, No: 12
2025-12-29
Abstrak

Drawing on recent educational research and policy guidance, this article examines a rubric-grounded large language model (LLM) feedback system for K–12 education in two contrasting contexts: the United States and Uzbekistan. The study highlights h...

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Analysis of Innovation Activity of Small Businesses and Microfirms

G’afurov Zohidjon; Ibrohimov Boburmirzo Baxtiyor ugli

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 8, No: 12
2025-12-28
Abstrak

This paper explores the innovation activities of small businesses and micro-enterprises in the Republic of Uzbekistan as compared to their impact on social and economic development of the country. It accentuates how strategic innovation is a way t...

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Adapting Advanced Foreign Practices for Enhancing the Competitiveness of Small Textile Enterprises in Uzbekistan’s Context

Azamatov Otabek Quyosh o‘g‘li

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 8, No: 12
2025-12-28
Abstrak

Uzbekistan’s textile and apparel sector has expanded rapidly following reforms that redirected the economy from raw cotton exports toward domestic processing and export-oriented manufacturing. Yet many small textile enterprises (STEs) remain less ...

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Attention Given to Technological, Marketing, and Organizational Innovations by Small Businesses and Micro-Enterprises

Rakhimov Baxromjon Ibrokhimovich; Karimov Nodirbek

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 8, No: 12
2025-12-26
Abstrak

This paper analyzes significance and importance of technological, marketing and organizational innovations for small businesses and micro-enterprises in the Republic of Uzbekistan. Small and micro-scale enterprises are significant for economic gro...

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The Current State and Development Trends of The Tourist Services Market in The Samarkand Region

Rahmonov Siyovush Turob Ug’Li

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 8, No: 12
2025-12-24
Abstrak

This article examines the current state and key development trends of the tourist services market in the Samarkand region. Special attention is paid to the dynamics of tourist flows, the structure and quality of tourism services, their competitive...

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The Impact of Innovation Infrastructure Elements on the Efficiency of Industrial Enterprises: A Multi-Factor Econometric Analysis

Rakhmatullayev Doston Asad o‘g‘li

American Journal of Economics and Business Management
ISSN: 2576-5973
Vol: 8, No: 12
2025-12-25
Abstrak

It is commonly accepted that industrial productivity is propelled by innovation and technological change, but their effectiveness is to a large degree determined by firms operating in a conducive broader innovation infrastructure. This study analy...

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