https://cajem-science.org/index.php/journal en-US Tue, 04 Nov 2025 20:48:33 +0500 OJS 3.3.0.11 http://blogs.law.harvard.edu/tech/rss 60 https://cajem-science.org/index.php/journal/article/view/126 <p>The article discusses the role of transformation processes in reducing costs and increasing efficiency in the banking system. Methods for optimizing costs through the introduction of digital technologies, improving business models, and automating services are analyzed. At the same time, practical experience of transformation of commercial banks operating in Uzbekistan and international trends are studied.</p> Ergashev Abdurashid Qurbonalievich Copyright (c) 2025 https://cajem-science.org/index.php/journal/article/view/126 Tue, 04 Nov 2025 00:00:00 +0500 https://cajem-science.org/index.php/journal/article/view/127 <p>In this article, the author discusses the theoretical foundations of the classification of production and sales costs. In particular, special attention is paid to the concept of costs, the main tasks of cost accounting and the classification of production costs.</p> Muftaydinov Bobir Kiyomidinovich Copyright (c) 2025 https://cajem-science.org/index.php/journal/article/view/127 Wed, 17 Sep 2025 00:00:00 +0500