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In the context of increasing competition and digital transformation, effective customer segmentation has become an important instrument for improving the efficiency of banking operations and strengthening customer relationships. Banks increasingly use demographic, economic, behavioral, ge…
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This article analyzes the issues of forming modern and prospective management concepts aimed at ensuring the sustainable development of higher education institutions. The study reveals the importance of approaches such as strategic management, innovation management, digital transformation…
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This article develops an integral methodology - the PPP Investment-Institutional Efficiency Index (PPP–IIE) - for comprehensively assessing the efficiency of public–private partnership (PPP) mechanisms across Uzbekistan's regions on the basis of official statistical data, without relying …
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This article examines the development characteristics of private higher education institutions through a comparative analysis. The study compares the experiences of Uzbekistan, the United Kingdom, the United States, South Korea, and Türkiye, focusing on governance models, financing mechan…
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This study develops a multidimensional framework for assessing the efficiency of tax administration in Uzbekistan. The central argument is that revenue growth, although fiscally important, cannot by itself identify whether a tax administration is becoming more efficient. A modern evaluati…
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This article develops an applied framework for improving the efficiency of financing business entities through bank credit in Uzbekistan. The study argues that credit efficiency should not be identified with the growth of loan volumes alone. A bank loan is efficient when it reaches viable…
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This article studies the theoretical and methodological aspects of an integrated assessment of the effectiveness of state regulation of the sustainable development of the tourism sector. It is based on the need to combine organizational, economic, institutional, social and environmental i…
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This article develops a conceptual model for extending the separate accounting policy applied to Uzbekistan's public–private partnership (PPP) projects from a single-entity approach to the national scale. Building on an earlier firm-level Accounting Policy Maturity Index (APMI), the study…
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Innovation is widely presented as the principal instrument for renewing cultural heritage tourism, yet the evidence supporting this claim remains dispersed across technology-acceptance research, heritage-management studies and destination economics. This paper systematically reviews sixty…
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Non-performing loans (NPLs) are a key indicator of credit portfolio quality and a direct source of pressure on bank profitability, liquidity, and capital. This study examines the factors associated with the emergence and recent dynamics of NPLs in Uzbekistan’s commercial banking sector an…