Sun’iy Intellekt va Raqamli Iqtisodiyot

raqamli texnologiyalar asosida tashkil etish, ERP/CRM tizimlar bilan integratsiyani kuchaytirish hamda raqamli hisob modulini rivojlantirish bo‘yicha yondashuvlar tobora dolzarblik kasb etmoqda. Tadqiqotimiz natijalari asosida quyidagi amaliy tavsiyalar ishlab chiqildi. Avvalo, 2910-schyot bo‘yicha tovarlarni segment turi, filial, brend, model va nomenklatura bo‘yicha kodlashni joriy etish tavsiya etiladi. Bu har bir xo‘jalik operatsiyasini o‘z segmentiga avtomatik biriktirish imkonini beradi. Shuningdek, segmentlararo operatsiyalar bo‘yicha transfer narxlari reyestrini 1C platformasida shakllantirish, ichki narxlarni bozor narxlari bilan avtomatik solishtirish va farqlarni “elimatsiya” sifatida qayd etish hisobning aniqligini keskin oshiradi. Segmentlar bo‘yicha ROI, rentabellik va xarajatlar analitikasini avtomatik hisoblaydigan modulni yaratish esa boshqaruv qarorlarining samaradorligini oshiradi. ERP/CRM tizimlarini segmentar hisob moduli bilan integratsiya qilish korxona ichidagi ma’lumotlar oqimini birlashtirib, boshqaruvni raqamli ekotizimga o‘tkazadi. Buxgalterlar va menejerlar uchun raqamli kompetensiyalarni rivojlantirish, ayniqsa segmentar-modulli kodlash, transfer narxlash va avtomatlashtirilgan hisobot modullaridan foydalanish bo‘yicha muntazam treninglar tashkil etilishi maqsadga muvofiq. Foydalanilgan adabiyotlar ro‘yxati: 1. O‘zbekiston Respublikasi Prezidentining “Raqamli iqtisodiyotni rivojlantirish va axborot texnologiyalarini joriy etishni jadallashtirish chora-tadbirlari to‘g‘risida”gi PF-6079son Farmoni, 2020-yil 5-oktabr. 2. Ibragimov, A. (2021). Digital transformation of accounting and management reporting in trade enterprises: modern approaches and challenges. Journal of Digital Economy and Finance, 4(2), 45–56. 3. International Accounting Standards Board. (2020). IFRS 8 Operating Segments: Implementation and practice analysis. London: IFRS Foundation. 4. Karimov, B., & Abdurakhmonov, D. (2022). Digital integration of management accounting systems in Uzbek trade enterprises. Journal of Management and Accounting Technologies, 6(1), 55–68. 5. Smith, R., & Johnson, P. (2019). Segment reporting and managerial decision-making in retail organizations. Journal of Accounting Innovations, 7(3), 112–130. THE ROLE OF DIGITAL TECHNOLOGIES IN ADVANCING SOCIOECONOMIC SYSTEMS Bozorova Irina Jumanazarovna, Associate professor, doctor of philosophy in economics (PhD), Email: i.bozorova667@gmail.com Abstract. The rapid diffusion of digital technologies has become one of the key drivers of socio-economic development in modern society. Digital transformation affects economic growth, labor markets, social institutions, public administration, and the quality of life of the population. This article examines digital technologies as a systemic factor of socio-economic development, analyzes their impact on economic efficiency and social progress, and identifies key challenges associated with digitalization. Special attention is paid to the problem of digital inequality and 39

institutional adaptation. The paper formulates the main tasks related to the effective integration of digital technologies into socio-economic systems and proposes possible ways to solve them, including policy measures, investment in human capital, and the development of digital infrastructure. Keywords: digital technologies, digital economy, socio-economic development, digital transformation, innovation, digital inequality. Аннотация. Быстрое распространение цифровых технологий стало одним из ключевых факторов социально-экономического развития современного общества. Цифровая трансформация влияет на экономический рост, рынки труда, социальные институты, государственное управление и качество жизни населения. В данной статье рассматриваются цифровые технологии как системный фактор социальноэкономического развития, анализируется их влияние на экономическую эффективность и социальный прогресс, а также определяются ключевые проблемы, связанные с цифровизацией. Особое внимание уделяется проблеме цифрового неравенства и институциональной адаптации. В работе формулируются основные задачи, связанные с эффективной интеграцией цифровых технологий в социально-экономические системы, и предлагаются возможные пути их решения, включая политические меры, инвестиции в человеческий капитал и развитие цифровой инфраструктуры. Ключевые слова: цифровые технологии, цифровая экономика, социальноэкономическое развитие, цифровая трансформация, инновации, цифровое неравенство Introduction. In the context of globalization and rapid technological progress, digital technologies have become a fundamental factor shaping the development of modern societies. Information and communication technologies (ICT), artificial intelligence, big data, cloud computing, and the Internet of Things are transforming traditional economic models and social relations. Digitalization affects almost all spheres of human activity, including production, education, healthcare, governance, and social interaction. The relevance of this study lies in the need to systematize the socioeconomic effects of digital technologies and to identify mechanisms that ensure inclusive and sustainable development. Digital technologies and economic development. Digital technologies significantly influence economic growth and productivity. Their impact can be observed at both microeconomic and macroeconomic levels. First and foremost, digital technologies significantly increase labor productivity. Process automation, the use of software solutions, and robotics allow companies to reduce costs, speed up production, and improve product quality. This makes them more competitive in both domestic and international markets. Furthermore, digitalization fosters entrepreneurship. Online platforms, ecommerce, and mobile apps make it possible to create a business with minimal start-up costs. Small and medium-sized businesses gain access to global markets, while startups gain access to investment and new customers. This stimulates job creation and increases incomes. Digital technologies also play a key role in public administration. Electronic services, digital registries, and automated systems increase transparency, reduce 40

bureaucracy, and reduce corruption. Effective resource management contributes to sustainable economic growth and improves the quality of life for citizens. The impact of digital technologies on education and human capital development is also noteworthy. Online courses, digital libraries, and distance learning expand access to knowledge, developing the qualified workforce needed for the modern economy. Investing in the digital skills of the population is becoming a strategic priority for many countries. Digital technologies are thus a powerful driver of economic growth. They accelerate innovation, improve production efficiency, and open up new opportunities for business and society. However, to fully realize their potential, it is necessary to develop digital infrastructure, ensure cybersecurity, and increase the population's digital literacy. Only with a comprehensive approach can digital transformation become the foundation for sustainable socioeconomic development. Table 1 presents the main economic effects of digital technologies. Table 1. Impact of digital technologies on economic development Digital Technology Automation and robotics Digital platforms Big data analytics Fintech solutions Cloud computing Economic Effect Reduction of production costs Result for the Economy Increased productivity Lower transaction costs Market expansion Higher efficiency of Improved decision-making management Faster and cheaper financial Financial inclusion and operations transparency Flexible resource allocation Scalability of business processes At the macroeconomic level, digitalization stimulates innovation and contributes to GDP growth. In today's world, innovation is one of the main drivers of economic development and gross domestic product (GDP) growth. Innovation refers to new technologies, products, services, and management methods that improve production efficiency and economic competitiveness. First and foremost, innovation contributes to increased labor productivity. The introduction of digital solutions, automation, and artificial intelligence allows businesses to produce more products with fewer resources. This directly impacts GDP growth, as the overall volume of added value created increases. Furthermore, innovation stimulates the development of new economic sectors. The IT sector, biotechnology, green energy, and fintech create jobs, attract investment, and expand a country's export potential. Startups and technology companies are becoming important sources of economic growth. Government support for innovation also plays a vital role. Investments in science, education, and research infrastructure build human capital—the foundation of long-term development. Countries that actively embrace innovation tend to demonstrate more sustainable GDP growth and a high standard of living. 41

Thus, innovation is a key driver of economic growth. It increases productivity, creates new markets, and strengthens the competitive position of countries in the global economy. Developing an innovative environment is essential for sustainable GDP growth and socioeconomic progress. However, the uneven distribution of digital resources creates structural imbalances between countries and regions. Social impact of digital technologies. Digital technologies also have a substantial impact on social development, influencing access to services, social mobility, and quality of life. Table 2 summarizes the key social effects of digital transformation. Table 2. Social Sphere Education Healthcare Public administration Labor market Social interaction Social Effects of Digital Technologies Application of Digital Socio-Social Outcome Technologies Online learning platforms Increased accessibility of education Telemedicine and e-health Improved healthcare delivery E-government services Transparency and efficiency Remote work platforms Labor market flexibility Enhanced communication participation Social networks and media and Despite these positive effects, digitalization can intensify social risks, particularly for vulnerable groups lacking digital skills or access to technology. Digital inequality as a socio-economic challenge. One of the most significant challenges of digital transformation is digital inequality. It manifests itself in disparities in access to infrastructure, technology, and digital competencies. Table 3 illustrates the main dimensions of digital inequality. Table 3. Dimensions of Digital Inequality Level of Inequality Global Regional Social Individual Characteristics Socio-Economic Consequences Differences between countries Urban–rural digital divide Income and education disparities Uneven economic development Limited regional growth Social exclusion Reduced employment opportunities Lack of digital skills Digital inequality limits the positive impact of digital technologies and reinforces existing socio-economic disparities. The key problem addressed in this article is the inconsistency between the rapid development of digital technologies and the readiness of socio-economic systems to adapt to them. This includes insufficient regulatory frameworks, unequal access to digital resources, and inadequate levels of digital literacy among the population. 42

Without systematic management of digital transformation, technological progress may lead to social tension and economic imbalance. To overcome the identified problems, the following measures are proposed: • Development of digital infrastructure to ensure universal Internet access; • Investment in education and digital skills development; • Adaptation of legal and institutional frameworks to the digital economy; • Implementation of social policies aimed at mitigating labor market risks. These measures should be implemented in a coordinated manner to maximize the socio-economic benefits of digitalization. Digital technologies are a decisive factor in modern socio-economic development. They enhance economic efficiency, transform social institutions, and improve quality of life. However, digital transformation also creates serious challenges, particularly digital inequality and institutional lag. The results of this study confirm that only a comprehensive and inclusive approach can ensure that digital technologies become a driver of sustainable socioeconomic development rather than a source of new disparities. References: 1. Brynjolfsson, E., & McAfee, A. (2014). The Second Machine Age: Work, Progress, and Prosperity in a Time of Brilliant Technologies. New York: W.W. Norton & Company. 2. Castells, M. (2010). The Rise of the Network Society. Oxford: Wiley-Blackwell. 3. OECD. (2019). Going Digital: Shaping Policies, Improving Lives. Paris: OECD Publishing. 4. Bozorova I.J. Digital and information and communication technologies as the main factor in the development of modern society //Экономика и социум. – 2025. – №. 2-1 (129). – С. 133-135. 5. Bozorova I.J. Role, significance and development of artificial intelligence in modern society //Экономика и социум. – 2025. – №. 2-1 (129). – С. 136-139. 6. Бозорова И.Ж. Принятие решений в сфере финансов в условиях цифровой трансформации //Экономика и социум. – 2023. – №. 1-2 (104). – С. 603-606. 7. Бозорова И.Ж. Место и роль информационно-коммуникационных технологий в экономических процессах //Экономика и социум. – 2024. – №. 2-1 (117). – С. 910-915. 8. Jumanazarovna B. I. The Use of Digital Technologies in the Process of Improving Economic Systems for Accounting for Inventory Items //Miasto Przyszlosci. – 2023. – Т. 36. – С. 62-65. 9. Бозорова И.Ж. Информационно-коммуникационные технологии как фактор совершенствования экономики в условиях информационного общества. – 2024. TASHQI IQTISODIY FAOLIYAT BOSHQARUVINI RAQAMLASHTIRISH SHAROITIDA SANOAT KORXONALARINING IQTISODIY XAVFSIZLIGINI TA’MINLASH STRATEGIYALARI Sultanov Shoxjaxon Rahmon o‘g‘li, TIU o‘qituvchisi, shohjahonsultanov02@gmail.com Davronova Zarina Zokirjon qizi, TIU, talabasi, zarinadavronova06@icloud.com Annotatsiya. Mazkur maqolada tashqi iqtisodiy faoliyatni boshqarish jarayonlarini raqamlashtirish sharoitida sanoat korxonalarining iqtisodiy xavfsizligini ta’minlash masalalari ilmiy jihatdan tahlil qilinadi. Tadqiqotda globallashuv va raqamli iqtisodiyot sharoitida tashqi savdo operatsiyalarining murakkablashuvi, raqamli texnologiyalarning keng joriy etilishi 43

natijasida iqtisodiy xavfsizlikka bo‘lgan tahdidlar ko‘lamining kengayib borishi asoslab beriladi. Maqolada tashqi iqtisodiy faoliyat boshqaruvini raqamlashtirish jarayonida axborot, moliyaviy, institutsional va operatsion xavflarning kuchayishi hamda ularni samarali boshqarish zarurati yoritiladi. Tadqiqot natijalari tashqi iqtisodiy faoliyatni raqamli boshqarish sharoitida iqtisodiy xavfsizlikni ta’minlash sanoat korxonalarining barqaror rivojlanishi va xalqaro raqobatbardoshligini mustahkamlashning muhim omili ekanligini ko‘rsatadi. Kalit so‘zlar: tashqi iqtisodiy faoliyat, raqamlashtirish, iqtisodiy xavfsizlik, sanoat korxonalari, raqamli boshqaruv, tashqi savdo, globallashuv. Аннотация. В данной статье научно анализируются вопросы обеспечения экономической безопасности промышленных предприятий в контексте цифровизации процессов управления внешнеэкономической деятельностью. Исследование обосновывает возрастающую сложность внешнеторговых операций в условиях глобализации и цифровой экономики, расширение масштабов угроз экономической безопасности в результате широкого внедрения цифровых технологий. В статье подчеркивается интенсификация информационных, финансовых, институциональных и операционных рисков в процессе цифровизации управления внешнеэкономической деятельностью и необходимость их эффективного управления. Результаты исследования показывают, что обеспечение экономической безопасности в контексте цифрового управления внешнеэкономической деятельностью является важным фактором укрепления устойчивого развития и международной конкурентоспособности промышленных предприятий. Ключевые слова: внешнеэкономическая деятельность, цифровизация, экономическая безопасность, промышленные предприятия, цифровое управление, внешняя торговля, глобализация. Abstract. This article scientifically analyzes the issues of ensuring the economic security of industrial enterprises in the context of digitalization of foreign economic activity management processes. The study substantiates the increasing complexity of foreign trade operations in the context of globalization and the digital economy, the expansion of the scope of threats to economic security as a result of the widespread introduction of digital technologies. The article highlights the intensification of information, financial, institutional and operational risks in the process of digitalization of foreign economic activity management and the need for their effective management. The results of the study show that ensuring economic security in the context of digital management of foreign economic activity is an important factor in strengthening the sustainable development and international competitiveness of industrial enterprises. Keywords: foreign economic activity, digitalization, economic security, industrial enterprises, digital management, foreign trade, globalization. Kirish. So‘nggi yillarda jahon iqtisodiyotida raqamli transformatsiya jarayonlarining jadallashuvi sanoat korxonalarining tashqi iqtisodiy faoliyatini boshqarish mexanizmlarini tubdan o‘zgartirmoqda. Xalqaro savdo operatsiyalarining raqamlashtirilishi, elektron hujjat aylanishi, raqamli logistika va moliyaviy texnologiyalarning keng joriy etilishi tashqi iqtisodiy faoliyatni yanada tezkor va samarali amalga oshirish imkonini bermoqda. Biroq mazkur jarayonlar bilan bir qatorda sanoat korxonalarining iqtisodiy xavfsizligiga tahdid soluvchi yangi omillar ham yuzaga kelmoqda. Raqamli muhitda tashqi iqtisodiy faoliyatni boshqarish axborot oqimlarining hajmi va tezligini keskin oshirib, moliyaviy va savdo jarayonlarini murakkab tizimga aylantirmoqda. Xalqaro hamkorlar bilan raqamli platformalar orqali 44

amalga oshiriladigan operatsiyalar, transchegaraviy to‘lovlar va ma’lumotlar almashinuvi sanoat korxonalarining iqtisodiy manfaatlarini himoya qilish masalasini dolzarb qilib qo‘ymoqda. Shu sababli tashqi iqtisodiy faoliyat boshqaruvini raqamlashtirish sharoitida iqtisodiy xavfsizlikni ta’minlash strategiyalarini ilmiy jihatdan asoslash muhim ahamiyat kasb etadi. Asosiy qism. Tashqi iqtisodiy faoliyatni raqamlashtirish sanoat korxonalarining xalqaro bozorlardagi ishtirokini kengaytirib, eksport-import operatsiyalarini samaraliroq amalga oshirishga xizmat qiladi. Shu bilan birga, raqamli texnologiyalarga yuqori darajada bog‘liqlik iqtisodiy xavfsizlikka ta’sir etuvchi yangi xavf omillarini yuzaga keltiradi. Raqamli platformalar orqali amalga oshiriladigan tashqi savdo operatsiyalari moliyaviy oqimlarning ochiqligi va tezkorligi bilan bir qatorda, axborotning noqonuniy tarqalishi, moliyaviy firibgarlik va texnologik qaramlik kabi tahdidlarni kuchaytiradi. Tashqi iqtisodiy faoliyat boshqaruvini raqamlashtirish sharoitida iqtisodiy xavfsizlik, avvalo, axborot resurslarining himoyalanganligi bilan belgilanadi. Xalqaro savdo shartnomalari, narx siyosati va moliyaviy hisob-kitoblarga oid ma’lumotlarning raqamli muhitda saqlanishi sanoat korxonalarini axborot xurujlariga nisbatan yanada zaif holatga keltiradi. Shu sababli iqtisodiy xavfsizlikni ta’minlash masalasi tashqi iqtisodiy faoliyatni boshqarish tizimining ajralmas tarkibiy qismiga aylanmoqda [1]. Raqamlashtirilgan tashqi iqtisodiy faoliyat sharoitida moliyaviy xavfsizlik masalasi ham alohida ahamiyat kasb etadi. Transchegaraviy elektron to‘lovlar, raqamli moliyaviy vositalar va avtomatlashtirilgan hisob-kitob tizimlari moliyaviy jarayonlarni tezlashtiradi, biroq ularning noto‘g‘ri boshqarilishi sanoat korxonalarining moliyaviy barqarorligiga salbiy ta’sir ko‘rsatishi mumkin. Moliyaviy oqimlarni raqamli monitoring qilish va tahlil qilish iqtisodiy xavfsizlikni ta’minlashda muhim vosita hisoblanadi. Shuningdek, tashqi iqtisodiy faoliyatni raqamlashtirish sanoat korxonalarining institutsional xavfsizligiga ham ta’sir etadi. Raqamli platformalar va xalqaro ekotizimlarga integratsiyalashuv jarayonida qarorlar qabul qilishda mustaqillik darajasining pasayishi, tashqi texnologik yechimlarga qaramlik kuchayishi mumkin. Bu holat sanoat korxonalarining uzoq muddatli iqtisodiy manfaatlarini himoya qilishni murakkablashtiradi va iqtisodiy xavfsizlikka tizimli yondashuvni talab etadi [2]. Tashqi iqtisodiy faoliyat boshqaruvini raqamlashtirish sharoitida iqtisodiy xavfsizlikni ta’minlash strategik boshqaruv bilan bevosita bog‘liq bo‘ladi. Raqamli boshqaruv tizimlari orqali to‘plangan katta hajmdagi ma’lumotlar asosida tashqi bozorlardagi tavakkalchiliklar baholanadi, savdo va investitsiya qarorlari optimallashtiriladi hamda iqtisodiy tahdidlarning oldini olish imkoniyati yaratiladi. Bu jarayon sanoat korxonalarining tashqi iqtisodiy faoliyatini barqaror rivojlantirishga xizmat qiladi. Raqamli transformatsiya sharoitida iqtisodiy xavfsizlikni ta’minlash tashqi iqtisodiy faoliyatni korxonaning umumiy rivojlanish strategiyasi bilan 45

uyg‘unlashtirishni talab etadi. Tashqi savdo, moliyaviy boshqaruv va axborot tizimlari o‘rtasidagi uzviy integratsiya iqtisodiy xavfsizlikni mustahkamlashda muhim ahamiyatga ega. Shu asosda sanoat korxonalari tashqi bozorlarda raqobatbardosh va barqaror faoliyat yuritish imkoniyatiga ega bo‘ladi. Xulosa va amaliy tavsiyalar. Tadqiqot natijalari shuni ko‘rsatadiki, tashqi iqtisodiy faoliyat boshqaruvini raqamlashtirish sharoitida sanoat korxonalarining iqtisodiy xavfsizligini ta’minlash strategik ahamiyatga ega masala hisoblanadi. Raqamli texnologiyalar tashqi savdo operatsiyalarini samarali amalga oshirish imkonini bersa-da, ular bilan bog‘liq iqtisodiy tahdidlarni e’tibordan chetda qoldirish sanoat korxonalarining barqaror rivojlanishiga salbiy ta’sir ko‘rsatishi mumkin. Amaliy jihatdan sanoat korxonalariga tashqi iqtisodiy faoliyatni raqamli boshqarish jarayonida iqtisodiy xavfsizlikni ta’minlashni ustuvor yo‘nalish sifatida belgilash, raqamli risklarni tizimli monitoring qilish va tashqi savdo operatsiyalarini strategik nazorat ostida olib borish tavsiya etiladi. Ushbu yondashuv sanoat korxonalarining globallashuv sharoitida barqaror va xavfsiz rivojlanishini ta’minlashga xizmat qiladi. Foydalanilgan adabiyotlar: 1. UNCTAD. (2021). Digital economy report 2021. Geneva: United Nations. [1] 2. OECD. (2020). Global value chains: Efficiency and resilience. Paris: OECD Publishing. 3. World Economic Forum. (2022). Global risks report 2022. Geneva: WEF. 4. Gomber, P., Koch, J.A., & Siering, M. (2019). Digital finance and FinTech. Journal of Business Economics, 89(5), 537–580. [2] 5. BIS. (2021). Operational resilience and digital transformation. Basel: Bank for International Settlements. VALYUTA RISKLARINI BOSHQARISHDA RAQAMLI MOLIYAVIY TEXNOLOGIYALARNING AHAMIYATI Sultanov Shoxjaxon Rahmon o‘g‘li, TIU o‘qituvchisi, shohjahonsultanov02@gmail.com Egamberdiyeva Oydinabonu Shuxrat qizi, TIU talabasi, oydinaegamberdiyeva7@gmail.com Annotatsiya. Mazkur maqolada globallashuv va raqamli iqtisodiyot sharoitida valyuta risklarini boshqarishda raqamli moliyaviy texnologiyalarning ahamiyati ilmiy jihatdan tahlil qilinadi. Tadqiqotda xalqaro savdo va moliyaviy operatsiyalar hajmining ortib borishi natijasida valyuta kurslari o‘zgaruvchanligining kuchayishi, moliyaviy tavakkalchiliklarning murakkablashuvi hamda ularni samarali boshqarishga bo‘lgan ehtiyoj asoslab beriladi. Maqolada raqamli moliyaviy texnologiyalarning valyuta risklarini aniqlash, baholash va monitoring qilish, moliyaviy qarorlar qabul qilish sifatini oshirish hamda valyuta risklarini kamaytirishga qaratilgan strategiyalarni amalga oshirishdagi roli yoritiladi. Tadqiqot natijalari raqamli moliyaviy texnologiyalardan foydalanish valyuta risklarini boshqarish samaradorligini oshirish va moliyaviy barqarorlikni ta’minlashning muhim omili ekanligini ko‘rsatadi. Kalit so‘zlar: valyuta risklari, raqamli moliyaviy texnologiyalar, moliyaviy tavakkalchiliklar, xalqaro moliya, valyuta bozori, raqamli iqtisodiyot, moliyaviy boshqaruv. 46

Аннотация. В данной статье проводится научный анализ значимости цифровых финансовых технологий в управлении валютными рисками в контексте глобализации и цифровой экономики. Исследование обосновывает растущую волатильность обменных курсов в результате увеличения объёма международной торговли и финансовых операций, сложности финансовых рисков и необходимости их эффективного управления. В статье подчеркивается роль цифровых финансовых технологий в выявлении, оценке и мониторинге валютных рисков, повышении качества принятия финансовых решений и реализации стратегий, направленных на снижение валютных рисков. Результаты исследования показывают, что использование цифровых финансовых технологий является важным фактором повышения эффективности управления валютными рисками и обеспечения финансовой стабильности. Ключевые слова: валютные риски, цифровые финансовые технологии, финансовые риски, международные финансы, валютный рынок, цифровая экономика, финансовое управление. Abstract. This article scientifically analyzes the importance of digital financial technologies in managing currency risks in the context of globalization and the digital economy. The study substantiates the increasing volatility of exchange rates as a result of the increase in the volume of international trade and financial transactions, the complexity of financial risks, and the need for their effective management. The article highlights the role of digital financial technologies in identifying, assessing, and monitoring currency risks, improving the quality of financial decision-making, and implementing strategies aimed at reducing currency risks. The results of the study show that the use of digital financial technologies is an important factor in increasing the effectiveness of currency risk management and ensuring financial stability. Keywords: currency risks, digital financial technologies, financial risks, international finance, foreign exchange market, digital economy, financial management. Kirish. Hozirgi davrda jahon moliya bozorlarida globallashuv jarayonlarining chuqurlashuvi va raqamli texnologiyalarning jadal rivojlanishi valyuta munosabatlariga sezilarli ta’sir ko‘rsatmoqda. Xalqaro savdo operatsiyalarining kengayishi, transchegaraviy investitsiyalar hajmining ortishi va moliyaviy bozorlardagi integratsiya valyuta kurslarining o‘zgaruvchanligini kuchaytirib, valyuta risklarini moliyaviy boshqaruvning muhim obyekti sifatida namoyon qilmoqda. Bunday sharoitda valyuta risklarini samarali boshqarish moliyaviy barqarorlikni ta’minlashning asosiy shartlaridan biriga aylanmoqda. An’anaviy valyuta risklarini boshqarish usullari ko‘pincha sekin ishlov berish, cheklangan axborot bazasi va yuqori subyektivlik bilan tavsiflanadi. Raqamli moliyaviy texnologiyalar esa valyuta risklarini boshqarishda tezkorlik, aniqlik va shaffoflikni ta’minlash orqali moliyaviy qarorlar sifatini sezilarli darajada oshiradi. Shu sababli raqamli moliyaviy texnologiyalarning valyuta risklarini boshqarishdagi ahamiyatini ilmiy jihatdan tahlil qilish dolzarb masala hisoblanadi. Asosiy qism. Valyuta risklari xalqaro moliyaviy operatsiyalar bilan shug‘ullanuvchi subyektlar faoliyatiga bevosita ta’sir ko‘rsatib, moliyaviy natijalarning beqarorligiga olib kelishi mumkin. Valyuta kurslarining keskin o‘zgarishi eksport-import operatsiyalari, investitsiya oqimlari va tashqi qarz majburiyatlarining qiymatiga salbiy ta’sir ko‘rsatadi. Shu bois valyuta risklarini o‘z vaqtida aniqlash va samarali boshqarish muhim ahamiyat kasb etadi. 47

Raqamli moliyaviy texnologiyalar valyuta risklarini aniqlash va baholash jarayonini sezilarli darajada takomillashtiradi. Katta hajmdagi moliyaviy ma’lumotlarni real vaqt rejimida qayta ishlash imkoniyati valyuta bozorlaridagi tendensiyalarni tezkor aniqlash va risk darajasini baholashga xizmat qiladi. Bu esa moliyaviy boshqaruv subyektlariga valyuta risklari bilan bog‘liq qarorlarni aniq tahliliy ma’lumotlarga asoslangan holda qabul qilish imkonini beradi [1]. Valyuta risklarini boshqarishda raqamli texnologiyalarning muhim jihatlaridan biri monitoring jarayonining uzluksizligini ta’minlashdir. Raqamli moliyaviy platformalar orqali valyuta kurslari, bozor konyunkturasi va moliyaviy ko‘rsatkichlar doimiy ravishda kuzatilib, risklarning o‘zgarishi tezkor aniqlanadi. Bu holat moliyaviy tavakkalchiliklarning oldini olish va ularni kamaytirishga qaratilgan choralarni o‘z vaqtida ko‘rish imkonini yaratadi. Shuningdek, raqamli moliyaviy texnologiyalar valyuta risklarini kamaytirishga qaratilgan moliyaviy strategiyalarni amalga oshirishda muhim rol o‘ynaydi. Avtomatlashtirilgan moliyaviy boshqaruv tizimlari valyuta operatsiyalarini optimallashtirib, moliyaviy oqimlarni muvozanatlashtirishga xizmat qiladi. Natijada valyuta kurslarining salbiy ta’siri sezilarli darajada kamayadi va moliyaviy barqarorlik mustahkamlanadi [2]. Raqamli moliyaviy texnologiyalardan foydalanish valyuta risklarini boshqarishda inson omili bilan bog‘liq xatoliklarni ham kamaytiradi. Algoritmlar asosida ishlovchi moliyaviy tizimlar subyektiv qarorlar o‘rniga ma’lumotlarga asoslangan yechimlarni taklif etadi. Bu holat moliyaviy boshqaruv samaradorligini oshirib, valyuta risklari bilan bog‘liq yo‘qotishlar ehtimolini pasaytiradi. Bundan tashqari, raqamli moliyaviy texnologiyalar moliyaviy shaffoflikni ta’minlash orqali valyuta risklarini boshqarishda ishonch muhitini mustahkamlaydi. Moliyaviy ma’lumotlarning aniqligi va ochiqligi moliyaviy qarorlar qabul qilish jarayonini soddalashtirib, moliyaviy boshqaruv tizimining barqarorligini oshiradi. Bu esa xalqaro moliyaviy operatsiyalar samaradorligiga ijobiy ta’sir ko‘rsatadi. Xulosa va amaliy tavsiyalar. Tadqiqot natijalari shuni ko‘rsatadiki, raqamli moliyaviy texnologiyalar valyuta risklarini boshqarishda muhim strategik ahamiyatga ega. Raqamli yechimlar valyuta risklarini aniqlash, baholash va monitoring qilish jarayonlarini takomillashtirib, moliyaviy qarorlar sifatini oshiradi. Bu esa moliyaviy barqarorlikni ta’minlash va valyuta risklari bilan bog‘liq yo‘qotishlarni kamaytirishga xizmat qiladi. Amaliy jihatdan moliyaviy faoliyat bilan shug‘ullanuvchi subyektlarga valyuta risklarini boshqarishda raqamli moliyaviy texnologiyalarni izchil joriy etish, raqamli moliyaviy infratuzilmani rivojlantirish va mutaxassislarning raqamli kompetensiyalarini oshirish tavsiya etiladi. Ushbu yondashuv valyuta risklarini boshqarish samaradorligini oshirish va moliyaviy tizim barqarorligini ta’minlashga xizmat qiladi. 48

Foydalanilgan adabiyotlar: 1. BIS. (2019). Sound practices: implications of fintech developments for banks and bank supervisors. Basel: Bank for International Settlements. 2. Arner, D.W., Barberis, J., & Buckley, R. P. (2020). FinTech and the transformation of financial services. Journal of Banking Regulation, 21(1), 1–10. [1] 3. Gomber, P., Koch, J.A., & Siering, M. (2019). Digital finance and FinTech: Current research and future research directions. Journal of Business Economics, 89(5), 537–580. 4. OECD. (2021). Fintech and market structure in financial services. Paris: OECD Publishing. [2] 5. World Bank. (2022). Global financial development report. Washington, DC: World Bank Publications. GLOBALLASHUV SHAROITIDA SANOAT KORXONALARINING TASHQI BOZORLARGA CHIQISH STRATEGIYASINI OPTIMALLASHTIRISHDA MA’LUMOTLAR (BIG DATA) TAHLILINING ROLI Sultanov Shoxjaxon Rahmon o‘g‘li, TIU, o‘qituvchisi, shohjahonsultanov02@gmail.com Keldiyev Adhamjon Muzaffar o‘g‘li, TIU talabasi, adhamjonkeldiyev5@gmail.com Annotatsiya. Mazkur maqolada globallashuv sharoitida sanoat korxonalarining tashqi bozorlarga chiqish strategiyasini optimallashtirish jarayonida ma’lumotlar tahlili (Big Data) texnologiyalarining ahamiyati ilmiy jihatdan tahlil qilinadi. Tadqiqotda xalqaro bozorlarda raqobatning kuchayishi, iste’molchilar xulq-atvorining murakkablashuvi hamda tashqi bozorlarga chiqish bilan bog‘liq tavakkalchiliklarning ortib borishi sharoitida an’anaviy strategik rejalashtirish yondashuvlarining cheklanganligi asoslab beriladi. Maqolada Big Data texnologiyalarining tashqi bozorlarni chuqur tahlil qilish, eksport strategiyalarini moslashtirish, marketing va savdo qarorlarining aniqligini oshirish hamda tashqi bozorlarga chiqish jarayonining samaradorligini ta’minlashdagi roli yoritiladi. Tadqiqot natijalari ma’lumotlar tahlilidan tizimli foydalanish sanoat korxonalarining tashqi bozorlardagi raqobatbardoshligini oshirish va barqaror xalqaro rivojlanishni ta’minlashda muhim omil ekanligini ko‘rsatadi. Kalit so‘zlar: globallashuv, tashqi bozorlar, sanoat korxonalari, Big Data, ma’lumotlar tahlili, eksport strategiyasi, raqamli iqtisodiyot, strategik boshqaruv. Аннотация. В данной статье научно анализируется значение технологий анализа данных (Большие данные) в оптимизации стратегии выхода промышленных предприятий на зарубежные рынки в условиях глобализации. Исследование обосновывает ограничения традиционных подходов к стратегическому планированию в условиях усиления конкуренции на международных рынках, сложности потребительского поведения и возрастающих рисков, связанных с выходом на зарубежные рынки. В статье подчеркивается роль технологий Больших данных в углубленном анализе зарубежных рынков, адаптации экспортных стратегий, повышении точности маркетинговых и сбытовых решений и обеспечении эффективности процесса выхода на зарубежные рынки. Результаты исследования показывают, что систематическое использование анализа данных является важным фактором повышения конкурентоспособности промышленных предприятий на зарубежных рынках и обеспечения устойчивого международного развития. 49

Ключевые слова: глобализация, зарубежные рынки, промышленные предприятия, большие данные, анализ данных, экспортная стратегия, цифровая экономика, стратегическое управление. Abstract. This article scientifically analyzes the importance of data analysis (Big Data) technologies in optimizing the strategy of entering foreign markets of industrial enterprises in the context of globalization. The study substantiates the limitations of traditional strategic planning approaches in the context of increased competition in international markets, the complexity of consumer behavior, and the increasing risks associated with entering foreign markets. The article highlights the role of Big Data technologies in in-depth analysis of foreign markets, adaptation of export strategies, increasing the accuracy of marketing and sales decisions, and ensuring the efficiency of the process of entering foreign markets. The results of the study show that the systematic use of data analysis is an important factor in increasing the competitiveness of industrial enterprises in foreign markets and ensuring sustainable international development. Keywords: globalization, foreign markets, industrial enterprises, Big Data, data analytics, export strategy, digital economy, strategic management. Kirish. Jahon iqtisodiyotida globallashuv jarayonlarining jadallashuvi sanoat korxonalarining tashqi bozorlarga chiqish strategiyalariga nisbatan yangi talablarni yuzaga keltirmoqda. Xalqaro savdo munosabatlarining kengayishi, global qiymat zanjirlarining murakkablashuvi va iste’molchilarning ehtiyojlari tezkor o‘zgarib borayotgani sharoitida tashqi bozorlarga chiqish jarayoni yuqori darajadagi noaniqlik va tavakkalchilik bilan tavsiflanadi. Shu sababli sanoat korxonalari tashqi bozorlarga chiqishda aniq, moslashuvchan va ma’lumotlarga asoslangan strategiyalarga ehtiyoj sezmoqda. An’anaviy strategik rejalashtirish usullari ko‘pincha cheklangan ma’lumotlar bazasiga tayanib, tashqi bozorlardagi real vaziyatni to‘liq aks ettira olmaydi. Raqamli iqtisodiyot sharoitida esa katta hajmdagi ma’lumotlarni qayta ishlash imkonini beruvchi Big Data texnologiyalari tashqi bozorlarga chiqish strategiyalarini optimallashtirish uchun muhim vositaga aylanmoqda. Shu nuqtai nazardan, Big Data texnologiyalarining sanoat korxonalarining tashqi bozorlarga chiqish strategiyasidagi o‘rnini ilmiy jihatdan tahlil qilish dolzarb masala hisoblanadi. Asosiy qism. Sanoat korxonalarining tashqi bozorlarga chiqish strategiyasi bozorni tanlash, mahsulotni moslashtirish, narx belgilash va savdo kanallarini shakllantirish kabi murakkab boshqaruv qarorlarini o‘z ichiga oladi. Ushbu qarorlarning sifati tashqi bozorlarda muvaffaqiyatli faoliyat yuritishni belgilovchi asosiy omillardan biridir. Big Data texnologiyalari ushbu jarayonda katta hajmdagi bozor, iste’molchi va raqobatchilar haqidagi ma’lumotlarni tahlil qilish imkonini berib, strategik qarorlarning aniqligini oshiradi. Ma’lumotlar tahlili tashqi bozorlardagi talab va iste’molchilar xulq-atvorini chuqur o‘rganish imkonini yaratadi. Turli manbalardan yig‘ilgan ma’lumotlar asosida iste’molchilarning xarid odatlari, mahsulotga bo‘lgan talab dinamikasi va bozordagi o‘zgarishlar aniqlanadi. Bu holat sanoat korxonalariga tashqi bozorlarga 50

chiqishda mahsulot va marketing strategiyalarini aniq ma’lumotlarga asoslangan holda shakllantirish imkonini beradi [1]. Big Data texnologiyalaridan foydalanish tashqi bozorlardagi tavakkalchiliklarni kamaytirishda ham muhim ahamiyat kasb etadi. Katta hajmdagi iqtisodiy va savdo ma’lumotlarini tahlil qilish orqali bozor beqarorligi, valyuta tebranishlari va raqobat bosimi bilan bog‘liq xavflar oldindan aniqlanadi. Natijada sanoat korxonalari tashqi bozorlarga chiqish strategiyasini moslashtirib, noaniqlik sharoitida yanada barqaror qarorlar qabul qilish imkoniyatiga ega bo‘ladi [2]. Shuningdek, ma’lumotlar tahlili tashqi bozorlarga chiqish strategiyasini optimallashtirishda tezkorlikni ta’minlaydi. Real vaqt rejimida yangilanib boradigan ma’lumotlar asosida sanoat korxonalari bozor kon’yunkturasidagi o‘zgarishlarga tezkor javob qaytarib, strategik qarorlarni moslashtirishi mumkin. Bu holat globallashuv sharoitida tashqi bozorlarda muvaffaqiyatli raqobatlashish uchun muhim omil hisoblanadi [3]. Big Data texnologiyalaridan foydalanish tashqi bozorlarda marketing va savdo faoliyatining samaradorligini oshiradi. Raqamli tahlil vositalari orqali reklama kampaniyalari va savdo strategiyalarining natijalari baholanib, resurslardan foydalanish samaradorligi oshiriladi. Bu esa sanoat korxonalarining tashqi bozorlardagi iqtisodiy natijalarini yaxshilashga xizmat qiladi [4]. Bundan tashqari, ma’lumotlar tahlili tashqi bozorlarga chiqish strategiyasini korxonaning umumiy rivojlanish strategiyasi bilan uyg‘unlashtirish imkonini beradi. Keng qamrovli tahlil natijalari sanoat korxonalarining uzoq muddatli xalqaro rivojlanish yo‘nalishlarini belgilashda muhim axborot manbai bo‘lib xizmat qiladi [5]. Xulosa va amaliy tavsiyalar. Tadqiqot natijalari shuni ko‘rsatadiki, globallashuv sharoitida sanoat korxonalarining tashqi bozorlarga chiqish strategiyasini optimallashtirishda Big Data texnologiyalari muhim strategik ahamiyatga ega. Ma’lumotlar tahlili tashqi bozorlardagi murakkab jarayonlarni chuqur anglash, strategik qarorlar aniqligini oshirish va tavakkalchiliklarni kamaytirish imkonini beradi. Bu esa sanoat korxonalarining xalqaro bozorlardagi raqobatbardoshligini mustahkamlashga xizmat qiladi. Amaliy jihatdan sanoat korxonalariga tashqi bozorlarga chiqish strategiyasini ishlab chiqishda Big Data texnologiyalarini tizimli joriy etish, analitik infratuzilmani rivojlantirish va ma’lumotlar tahlili bo‘yicha mutaxassislar salohiyatini oshirish tavsiya etiladi. Ushbu yondashuv sanoat korxonalarining tashqi bozorlarda barqaror va samarali faoliyat yuritishini ta’minlashga xizmat qiladi. Foydalanilgan adabiyotlar: 1. McAfee, A., & Brynjolfsson, E. (2019). Big data: The management revolution. Harvard Business Review, 97(1), 60–68. 2. Chen, M., Mao, S., & Liu, Y. (2019). Big data: A survey. Mobile Networks and Applications, 19(2), 171–209. 51

3. OECD. (2020). Data-driven innovation for growth and well-being. Paris: OECD Publishing. 4. UNCTAD. (2021). Digital economy report 2021. Geneva: United Nations. 5. Wamba, S.F., Akter, S., Edwards, A., Chopin, G., & Gnanzou, D. (2020). How ‘big data’ can make big impact. International Journal of Production Economics, 165, 234–246. THE ROLE OF CREATIVE TOURISM SERVICES IN THE DIGITAL ECONOMY: INTERCONNECTIONS, DIGITAL TRANSFORMATION, AND FUTURE PROSPECTS Khalimova Nigina Jafarbekovna, BuxDU doktoranti, nikakhalimova7@gmail.com Annotatsiya. Raqamli iqtisodiyotning jadal kengayishi global turizm landshaftini tubdan o‘zgartirdi, xizmat ko‘rsatish, qiymat yaratish va sayyohlar bilan muloqotning yangi paradigmalarini shakllantirdi. Ushbu maqola kreativ turizm xizmatlarining raqamli iqtisodiyotdagi o‘rnini o‘rganib, sun’iy intellekt (AI), virtual va to‘ldirilgan reallik (VR/AR), raqamli platformalar, katta ma’lumotlar tahlili (Big Data), blokcheyn va buyumlar interneti (IoT) kabi raqamli texnologiyalarning kreativ turizm tajribalarini ishlab chiqarish, tarqatish va iste’mol qilishni qanday qayta shakllantirayotganini tahlil qiladi. Tajriba iqtisodiyoti konsepsiyasi (Pine va Gilmore, 1998), hamkorlikda qiymat yaratish nazariyasi (Prahalad va Ramaswamy, 2004; Binkhorst va Den Dekker, 2009) hamda kreativ iqtisodiyot paradigmasiga (Howkins, 2001; UNCTAD, 2024) tayanib, maqola raqamli texnologiyalarning kreativ turizmning ham imkoniyat yaratuvchisi, ham kuchaytirivchisi sifatida xizmat qilishini, bozorga kirishni kengaytirishini, tajribalarni shaxsiylashtirishini va sayyoh-jamoa hamkorligida qiymat yaratishning yangi modellarini rivojlantirishini ko‘rsatadi. Global amaliy misollar va so‘nggi empirik dalillar tahlili orqali maqola kreativ turizm xizmatlarini raqamlashtirish natijasida yuzaga kelayotgan imkoniyatlar va muammolarni aniqlaydi hamda kelajakdagi tadqiqotlar va siyosat ishlab chiqish uchun yo‘nalishlar taklif etadi. Kalit so‘zlar: kreativ turizm, raqamli iqtisodiyot, sun’iy intellekt, hamkorlikda qiymat yaratish, raqamli platformalar. Аннотация. Стремительное развитие цифровой экономики коренным образом трансформировало ландшафт мирового туризма, создав новые парадигмы оказания услуг, создания стоимости и взаимодействия с туристами. В данной статье исследуется роль услуг креативного туризма в системе цифровой экономики, анализируется, каким образом цифровые технологии — включая искусственный интеллект (AI), виртуальную и дополненную реальность (VR/AR), цифровые платформы, аналитику больших данных, блокчейн и интернет вещей (IoT) – перестраивают производство, распространение и потребление креативных туристических впечатлений. Опираясь на концепцию экономики впечатлений (Pine и Gilmore, 1998), теорию совместного создания ценности (Prahalad и Ramaswamy, 2004; Binkhorst и Den Dekker, 2009) и парадигму креативной экономики (Howkins, 2001; ЮНКТАД, 2024), статья демонстрирует, что цифровые технологии выступают как в качестве инструментов содействия, так и усилителей креативного туризма, расширяя доступ к рынкам, персонализируя впечатления и способствуя формированию новых моделей совместного создания ценности между туристами и местными сообществами. На основе анализа глобальных практических примеров и новейших эмпирических данных в статье выявляются возможности и вызовы, возникающие в результате цифровизации услуг креативного туризма, и предлагаются направления для будущих исследований и разработки политики. 52

Ключевые слова: креативный туризм, цифровая экономика, искусственный интеллект, совместное создание ценности, цифровые платформы. Abstract. The rapid expansion of the digital economy has fundamentally transformed the landscape of global tourism, creating new paradigms for service delivery, value creation, and tourist engagement. This paper examines the role of creative tourism services within the digital economy, analyzing how digital technologies—including artificial intelligence (AI), virtual and augmented reality (VR/AR), digital platforms, big data analytics, blockchain, and the Internet of Things (IoT)—are reshaping the production, distribution, and consumption of creative tourism experiences. Drawing upon the experience economy framework (Pine & Gilmore, 1998), cocreation theory (Prahalad & Ramaswamy, 2004; Binkhorst & Den Dekker, 2009), and the creative economy paradigm (Howkins, 2001; UNCTAD, 2024), the paper demonstrates that digital technologies serve as both enablers and amplifiers of creative tourism, expanding market access, personalizing experiences, and fostering new models of tourist-community co-creation. Through analysis of global case studies and recent empirical evidence, the paper identifies opportunities and challenges arising from the digitalization of creative tourism services and proposes directions for future research and policy development. Keywords: creative tourism, digital economy, artificial intelligence, co-creation, digital platforms. Introduction. The convergence of the digital economy and the tourism sector represents one of the most significant structural transformations of the twenty-first century. The digital economy - defined broadly as economic activity enabled by digital technologies, including e-commerce, digital platforms, big data, artificial intelligence, and the Internet of Things - has reshaped virtually every dimension of how tourism services are conceived, marketed, delivered, and experienced. Within this broader transformation, creative tourism occupies a particularly dynamic position. First formally conceptualized by Richards and Raymond (2000) as tourism offering visitors opportunities to develop their creative potential through active participation in learning experiences characteristic of a destination, creative tourism has evolved into a globally recognized development strategy endorsed by UNESCO, the OECD, the World Bank, and UNCTAD. The intersection of creative tourism and the digital economy is particularly consequential because creative tourism’s core attributes - co-creation, participatory engagement, authenticity, and intangible cultural resource utilization—are precisely the dimensions that digital technologies can most effectively enhance. As UNCTAD’s Creative Economy Outlook 2024 documented, creative services exports reached a record US$1.4 trillion in 2022, representing a 29% increase since 2017, with digitalization identified as the primary driver of this expansion. Simultaneously, the cultural tourism market grew from approximately USD 5.85 billion in 2024 to USD 6.73 billion in 2025, with projections reaching USD 13.25 billion by 2030. Creative sub-segments - art workshops, culinary experiences, craft tourism, and digital cultural products - are driving significant portions of this growth. The purpose of this paper is to systematically examine how creative tourism services are positioned within the digital economy ecosystem, analyzing the mechanisms through which digital technologies transform creative tourism value 53

chains, the emerging business models at this intersection, and the implications for destination competitiveness, community empowerment, and sustainable development. Theoretical Foundations: Connecting Creative Tourism to the Digital Economy The theoretical architecture connecting creative tourism to the digital economy rests upon four complementary frameworks. First, Pine and Gilmore’s experience economy (1998, 1999) established that economic value progresses from commodities through goods and services to experiences and transformations. Creative tourism occupies the highest value realms of this progression—education and escapism—where tourists actively participate in creating their own experiences. Digital technologies amplify this progression by enabling hyperpersonalization, immersive pre-visit engagement through VR/AR, and post-visit digital community building that extends the experiential cycle far beyond the physical journey. Second, co-creation theory, applied to tourism by Binkhorst and Den Dekker (2009), reframes tourists as value co-creators rather than passive consumers. Digital platforms operationalize co-creation at unprecedented scale: tourists and local creative practitioners can collaborate before, during, and after visits through digital channels, creating hybrid physical-digital creative experiences. Platforms such as Airbnb Experiences, the Creative Tourism Network’s digital marketplace, and specialized creative workshop booking systems exemplify this digitallymediated co-creation. Third, the creative economy paradigm—encompassing Howkins’ (2001) foundational concept, Florida’s (2002) creative class theory, and Landry’s (2000) creative city framework—provides the structural context. UNCTAD’s 2024 report reveals that the creative economy contributes between 0.5% and 7.3% of GDP across surveyed countries, employing between 0.5% and 12.5% of the workforce. The UNESCO Creative Cities Network, now encompassing over 350 cities in more than 80 countries, increasingly integrates digital infrastructure as a core component of creative destination development. Fourth, Schumpeter’s innovation theory, conceptualizing innovation as “creative destruction” and “creative accumulation,” provides a lens for understanding how digital technologies disrupt existing creative tourism models while simultaneously generating new service categories, business models, and value chains. Digital tourism leverages these technologies to enable predictive marketing, new product development, and the emergence of entirely new creative tourism scenarios, modes, and formats. Digital Technologies Transforming Creative Tourism Services Artificial Intelligence and Personalization Artificial intelligence has emerged as the most transformative digital technology for creative tourism services. AI-powered systems enable hyperpersonalized creative experience recommendations, analyzing tourist preferences, 54

behavioral patterns, and contextual data to match visitors with locally authentic creative activities. Recent data indicates that 53% of Generation Z and 57% of Millennials prefer AI-assisted trip planning, representing a fundamental shift in how creative tourism products are discovered and consumed. Generative AI is now being deployed to create customized itineraries that integrate creative workshops, artisan encounters, and cultural experiences tailored to individual interests. In heritage contexts, AI applications are particularly sophisticated. The Dunhuang Mogao Grottoes in China employ VR headsets powered by AI for immersive exploration of cave murals, while “digital tour guides”—AI-based intelligent customer service systems—provide multilingual, context-aware cultural interpretation in destinations across China, Europe, and beyond. The China Tourism Academy’s 2024 report identified generative AI as a force that would significantly impact tourism content creation, trend forecasting, data analysis, and personalized marketing. For creative tourism specifically, AI enables the scaling of previously non-scalable experiences: a master calligrapher’s workshop can be supplemented by AI-generated preparatory content, real-time translation during the session, and AI-curated post-workshop learning materials. Virtual and Augmented Reality VR and AR technologies are creating entirely new categories of creative tourism services that bridge physical and digital realms. Virtual reality enables previsit immersive previews of creative tourism experiences—tourists can virtually “walk through” a pottery studio in Oaxaca, preview a cooking class setting in Barcelona, or explore a textile workshop in Kyoto before booking. More significantly, VR is enabling access to fragile heritage sites where physical creative tourism activities must be limited for conservation reasons, as demonstrated by the Dunhuang digital exhibition hall and Google Arts & Culture’s virtual museum tours. Augmented reality overlays digital cultural information onto physical environments in real time, transforming how tourists engage with creative destinations. AR applications can reveal the historical layers of a creative quarter, animate traditional craft processes when visitors point their devices at artisan workshops, and provide interactive storytelling that deepens the creative tourism experience. These technologies are particularly significant for heritage interpretation, where AI-powered AR can reconstruct historical environments, simulate past cultural practices, and enable tourists to participate in digitallymediated creative experiences that would otherwise be impossible. Digital Platforms, E-commerce, and the Platform Economy Digital platforms have fundamentally restructured the distribution and accessibility of creative tourism services. The platform economy - comprising online marketplaces, booking systems, social media, and peer-to-peer networks has democratized access to creative tourism for both providers and consumers. Small-scale artisans, cultural practitioners, and community-based creative tourism operators who previously had limited market reach can now connect with global 55

audiences through platforms such as Airbnb Experiences, the Creative Tourism Network’s digital marketplace, specialized craft tourism platforms, and social media channels. With approximately 80% of travelers now preferring to book online via mobile applications, the digital platform has become the primary interface between creative tourism supply and demand. The sharing economy dimension is particularly relevant to creative tourism. Peer-to-peer platforms enable tourists to book experiences directly with local creative practitioners - a ceramics artist in Lisbon, a natural dye workshop leader in Bali, a street art tour guide in Bogotá - creating direct economic linkages between creative tourism consumption and community benefit. Big data analytics generated through these platforms provide destinations with unprecedented insights into creative tourist behavior, preferences, and satisfaction patterns, enabling evidencebased product development and marketing strategies. Blockchain, IoT, and Emerging Technologies Blockchain technology offers solutions to several persistent challenges in creative tourism: protecting artisan intellectual property, ensuring transparent and fair transactions between tourists and local creative practitioners, authenticating handmade creative products, and establishing trusted digital identities for creative tourism micro-entrepreneurs. While still in early adoption stages in tourism, blockchain’s potential for NFT-based authentication of artisan products and smart contracts for creative workshop bookings represents a significant frontier. The Internet of Things (IoT) enables smart creative tourism environments - connected workshop spaces, real-time visitor flow management in creative quarters, and seamless integration of physical creative activities with digital feedback and learning systems. Table 1. Digital Technologies and Their Applications in Creative Tourism Services Digital Technology Applications Tourism Artificial Intelligence (AI) Personalized itinerary design, Hyper-personalization of Dunhuang VR AI tour guides, predictive creative experiences; 53% caves (China), analytics, chatbots of Gen Z prefer AI- SmartGuide assisted planning platform Virtual (VR) Immersive 360° destination Pre-visit engagement; Mogao Grottoes previews, virtual heritage virtual access to fragile digital exhibition, reconstruction, remote heritage sites; inclusive Google Arts & workshop access participation Culture Reality Augmented Reality (AR) in Creative Impact on Creative Examples Tourism Services Platforms / Real-time cultural overlays, Enhanced on-site creative Museum AR interactive storytelling, interpretation; bridging guides, ARnavigation assistance tangible and intangible enhanced city tours heritage Digital Online booking of creative Market access expansion; Airbnb Platforms & E- workshops, marketplace for 80% of travelers book via Experiences, 56

Digital Technology Applications Tourism commerce artisan products, peer-to-peer mobile; global reach for Creative Tourism creative tourism local artisans Network, Etsy Blockchain Technology Secure transactions, digital Trust-building in creative NFT-based art identity, intellectual property economy transactions; tourism, smart protection for artisans transparent supply chains tourism contracts Big Analytics Data in Creative Impact on Creative Examples Tourism Services Platforms / Tourist behavior analysis, Evidence-based creative Smart destination demand forecasting, tourism planning; resource dashboards, destination flow management optimization Singapore tourism IoT Social Media & User-generated content, Organic destination Instagram creative Content influencer marketing, promotion; co-creation of travel, TikTok Platforms community building for digital narratives cultural experiences creative tourism Internet Things (IoT) of Smart kiosks, real-time crowd Seamless management, connected experience; creative spaces creative optimization visitor Smart museums, data-driven connected space workshop environments Source: Author’s compilation based on UNCTAD (2024), Yu et al. (2024), Polukhina et al. (2025), and industry reports. Conclusions. This paper has demonstrated that creative tourism services occupy an increasingly central position within the digital economy, with digital technologies serving as both enablers and amplifiers of the participatory, cocreative, and authentic experiences that define creative tourism. The theoretical convergence of the experience economy, co-creation theory, the creative economy paradigm, and Schumpeterian innovation provides a robust framework for understanding how digital technologies transform creative tourism value chains. The analysis reveals that AI, VR/AR, digital platforms, big data, blockchain, and IoT are not merely supplementary tools but are fundamentally restructuring the production, distribution, and consumption of creative tourism services. These technologies expand market access for previously marginalized creative tourism providers, enable hyper-personalization of creative experiences, facilitate new hybrid physical-digital co-creation models, and generate data-driven insights for evidence-based destination management. Simultaneously, challenges related to the digital divide, authenticity preservation, platform monopolization, intellectual property protection, and environmental sustainability require careful policy attention. Future research should address several critical frontiers: longitudinal studies tracking the impact of digitalization on creative tourism community outcomes; comparative analyses of digital creative tourism models across developed and developing economies; the implications of generative AI for creative tourism content creation and experience design; the role of blockchain in protecting artisan intellectual property within digital creative tourism marketplaces; and the development of governance frameworks that ensure equitable distribution of digital 57

creative tourism benefits. As the digital economy continues its rapid evolution, creative tourism’s inherently renewable resources – human creativity, local knowledge, cultural traditions – position it as a uniquely sustainable and resilient sector within the broader digital transformation of global tourism. References: 1. Binkhorst, E., & Den Dekker, T. (2009). Agenda for co-creation tourism experience research. Journal of Hospitality Marketing & Management, 18(2–3), 311–327. 2. Duxbury, N., Bakas, F.E., Vinagre de Castro, T., & Silva, S. (2021). Creative tourism development models towards sustainable and regenerative tourism. Sustainability, 13(1), 2. 3. Florida, R. (2002). The Rise of the Creative Class. Basic Books. 4. Howkins, J. (2001). The Creative Economy: How People Make Money from Ideas. Penguin. 5. Kontis, A.-P., & Skoultsos, S. (2022). Digital entrepreneurship and creative industries in tourism: A research agenda. Economies, 10(7), 167. 6. OECD (2014). Tourism and the Creative Economy. OECD Studies on Tourism. OECD Publishing. 7. Pine, B. J., & Gilmore, J. H. (1998). Welcome to the experience economy. Harvard Business Review, 76(4), 97–105. 8. Polukhina, A., Sheresheva, M., Napolskikh, D., & Lezhnin, V. (2025). Digital solutions in tourism as a way to boost sustainable development. Sustainability, 17(3), 877. 9. Prahalad, C.K., & Ramaswamy, V. (2004). Co-creation experiences: The next practice in value creation. Journal of Interactive Marketing, 18(3), 5–14. 10. Richards, G. (2011). Creativity and tourism: The state of the art. Annals of Tourism Research, 38(4), 1225–1253. 11. Richards, G., & Raymond, C. (2000). Creative tourism. ATLAS News, 23, 16–20. 12. Richards, G., & Wilson, J. (2006). Developing creativity in tourist experiences: A solution to the serial reproduction of culture? Tourism Management, 27(6), 1209–1223. 13. UNCTAD (2024). Creative Economy Outlook 2024: Technical and Statistical Report. United Nations. 14. Wang, X., Li, Y., & Chen, Z. (2024). Digital tourism and smart development: Stateof-the-art review. Sustainability, 16(23), 10382. 15. Yu, M., Ma, B., Liu, D., & Zhang, A. (2024). Is the digital economy empowering high-quality tourism development? PLoS ONE, 19(5), e0302946. ИСКУССТВЕННЫЙ ИНТЕЛЛЕКТ И ПЛАТФОРМЕННАЯ ТРАНСФОРМАЦИЯ ЦИФРОВОЙ ЭКОНОМИКИ Курпаяниди, Константин Иванович профессор Российской Академии Естествознания (Российская Федерация), Международный институт пищевых технологий и инженерии E-mail: antinari@gmail.com Аннотация. В докладе рассматривается влияние искусственного интеллекта (ИИ) на цифровую экономику, с акцентом на роль мегакорпораций в формировании рыночной конъюнктуры и усилении монопольных тенденций. Анализируются кейсы ведущих мировых компаний, таких как Amazon и Google, а также инициативы в Узбекистане по интеграции ИИ в рамках стратегии "Цифровой Узбекистан – 2030", подчеркивая потенциал для инноваций и риски неравенства. Доклад выявляет механизмы, через которые ИИ усиливает корпоративную инновационность, но также способствует 58