https://cajem-science.org/index.php/journal/issue/feedCentral Asian Journal of Economics and Management2026-05-14T05:14:20+00:00Open Journal Systemshttps://cajem-science.org/index.php/journal/article/view/142SPECIFIC FEATURES OF THE TRANSFORMATION PROCESS IN OPTIMIZING THE EXPENSES OF COMMERCIAL BANKS2026-03-13T15:47:37+00:00Abdurashid Ergashevergashev@mail.ru<p>This article analyzes the specific features of the transformation process in optimizing the expenses of commercial banks. In modern economic conditions, the rapid development of digital technologies, increasing competition, and changing customer demands require significant improvements in banking activities. Therefore, the implementation of transformation processes in commercial banks has become an important factor for improving efficiency. The study examines the main types of bank expenses, mechanisms for their effective management, and methods for optimizing costs during the transformation process. In addition, the possibilities of reducing operational costs through digital transformation, automation of business processes, optimization of branch networks, and the introduction of modern management approaches are discussed. The results of the study show that the transformation process plays an important role in improving the efficiency of banks, strengthening financial stability, and enhancing the quality of banking services.</p>2025-12-22T00:00:00+00:00Copyright (c) 2026 https://cajem-science.org/index.php/journal/article/view/148WOMEN’S ENTREPRENEURSHIP IN UZBEKISTAN: DEVELOPMENT TRENDS AND ANALYSIS OF ECONOMIC INDICATORS2026-05-14T05:14:20+00:00Zulfiya Xusanovaxusanovazr@mail.ru<p>This article systematically analyzes the current state of women’s entrepreneurship in Uzbekistan, its development trends, and its role in the national economy. The study examines the growth in the number of women-led enterprises, their distribution by sectors and regions, as well as the dynamics of net profit using the Pareto method. In addition, the article highlights the organizational and economic mechanisms supporting women’s entrepreneurship, particularly the importance of preferential loans provided by commercial banks and international initiatives.</p>2025-12-24T00:00:00+00:00Copyright (c) 2026