Khujand State University

This article analyzes the paradox that arises when implementing the Bank as a Platform (BaaS) model. Under this model, a bank, by providing its licensed infrastructure and financial services via API to third-party companies, derives operational benefits such as scalable revenue, access to new customer segments, and asset optimization. However, the strategic price of these advantages is its "invisibility" to the end consumer. The entire customer experience, branding, and direct relationships are transferred to aggregator partners, leading to the loss of the bank's customer face, the threat of commoditization of its services, and the erosion of long-term loyalty. This article examines the architecture of this dilemma, assesses its consequences, and proposes possible solutions through the bank's transition from a passive infrastructure provider to a strategic partner creating unique value.

This article analyzes certain aspects of function words. Although function words cannot independently express a concept or serve as its term, they participate in the expression of logical forms of thought. Logical forms of thinking are understood as tools that act as a means of some kind of semantic connection, and it is proven that in some cases the function of such tools can also be performed by auxiliary words. For example, lexical units belonging to the group of function words participate in the expression of various relationships between different concepts, which are considered as units of thought construction. Conjunctions are said to express logical relationships between the material shell of concepts and their predicative parts. This is because auxiliary verbs are considered purely grammatical categories: Grammatical categories do not exist separately from logical categories. The article also examines the possibility of mutual correspondence between grammatical and logical categories in cases where there is a general correspondence between grammatical and logical categories

The article addresses existing methods for enhancing the performance of microservice architectures under high-load conditions, where stability and scalability are required to adapt to changing demands. The objective of the study is to systematize existing optimization methods. The methodological framework includes data analysis, a comparison of various approaches such as containerization, auto-scaling, and the use of frameworks for asynchronous request processing. The research was conducted based on an analysis of publicly available articles, providing a comprehensive examination of the topic. The analyzed studies demonstrate that implementing hybrid solutions incorporating machine learning for load forecasting and dynamic infrastructure configuration significantly improves performance. Additionally, the studies address the management of service states and interactions, which is critical for maintaining data integrity under high loads. The information presented in the article will be valuable for system architects, DevOps engineers, and cloud computing specialists working with resource-intensive services. These solutions enable the creation of scalable, reliable infrastructures capable of efficiently handling large volumes of real-time data. The conclusion confirms the necessity of a comprehensive approach to optimizing microservice systems, focusing on dynamic adaptation and the integration of new technologies.

This study proposes a method for studying heat flows inside building envelopes based on the theory of nonstationary heat conduction with periodic fluctuations in air temperature. The process of energy accumulation, heat input (heat inflow), and heat loss (heat outflow) through building envelopes is studied as a periodic process. The results of calculating the daily dynamics of heat flows through flat walls are given. The time dependence of integral temperature $${{T}_{{{\text{int}}}}}$$ of flat wall averaged over volume, which determines accumulated heat $${{W}_{{{\text{accum}}}}}$$ in the wall material at any given time of day or for a given time interval, is obtained. It is shown that the change in the $${{T}_{{{\text{int}}}}}$$ value for stationary conditions is 0.5°C when the outside air temperature changes by 1°C. For a periodic heat transfer process, the change in amplitude Aint of fluctuations of the average integral wall temperature is 0.2°C when amplitude Aouts of fluctuations in the outside air temperature changes by 1°C. The daily and seasonal dynamics of $${{T}_{{{\text{int}}}}}$$ and $${{W}_{{{\text{accum}}}}}$$ are determined for the climatic conditions of Central Asia.

Інтеграція блокчейн-технологій у маркетингові стратегії є важливою та актуальною темою через її потенціал для значних змін у бізнес-середовищі. Мета дослідження полягає у визначенні впливу блокчейн на комунікаційні стратегії, а також у виявленні ключових викликів та переваг технології. Концепція дослідження включає комбінований підхід, використовуючи кількісні та якісні методи для оцінки ефективності та практичного впровадження блокчейн у маркетинг. Було проведено аналіз літератури, опитування та інтерв'ю з представниками компаній. Основна гіпотеза дослідження полягає у тому, що децентралізовані мережі значно підвищують прозорість і ефективність маркетингових кампаній. Методологія дослідження включає аналіз витрат та вигод (Cost-Benefit Analysis), статистичний аналіз даних, зібраних за допомогою SPSS, та глибинні інтерв'ю. Отримані результати дослідження показали, що блокчейн може знизити витрати на маркетинг на 15-20%, підвищити прозорість та довіру споживачів, а також автоматизувати процеси управління рекламними кампаніями та відстеження поставок. Виявлено, що основні виклики включають високі фінансові витрати та проблеми масштабованості. Теоретичне значення дослідження полягає у розширенні знань про впровадження блокової технології у маркетинг. Практичне значення полягає у наданні рекомендацій для бізнесу щодо ефективного використання децентралізованих технологій. Оригінальність дослідження полягає у комплексному підході до оцінки економічних вигод і викликів технології. Основні висновки доводять високу ефективність криптотехнологій у просуванні бізнесу та актуальність для подальших досліджень. Перспективи подальших досліджень включають вивчення довгострокових ефектів впровадження блокчейн та розвиток нових методів масштабування технології.

In a civilized and developed society, the system of schools, education, science and culture plays a key and constructive role. The degree of intellectual and intellectual potential of each country depends on the development of education, training and upbringing, and it is school and education, highly qualified specialists who can ensure the sustainable economic, social, scientific and cultural development of the country. Not only the formation of politically literate, self-conscious people, but also the political and socio-economic fate of the country and its future largely depend on the state of schools and education, knowledge and literacy of the people. The Government of the country, under the guidance and caring and educational policy of the Founder of Peace and National Unity, the Leader of the Nation, the President of the Republic of Tajikistan, the respected Emomali Rahmon, despite the difficulties and difficulties of the transition of the Republic of Tajikistan to a new system of statehood, considered the education and science system as a priority and key area of the state and provided special support. The article describes the development of education in the Republic of Tajikistan.

The paper presents the peculiarities of COVID-19, and individualized rehabilitation programs have been chosen to aid patients in preventing complications caused by the coronavirus and in achieving the quickest and highest quality recovery of health.

This article explores an elliptic system of n equations where the main part is the Bitsadze operator (the square of the Cauchy–Riemann operator) and the lower term is the product of a given matrix function by the conjugate of the desired vector function. The system was analyzed in the Banach space of vector functions that are bounded and uniformly H¨older continuous in the entire complex plane. It was revealed that the problem of solving the system in the specified space may not be Noetherian. An example of a homogeneous system with an infinite number of linearly independent solutions was given. As is known, for many classes of elliptic systems, the Noetherianity of boundary value problems in a compact domain is equivalent to the presence of a priori estimates in the corresponding spaces. In this regard, it is important to study the issues related to the establishment of a priori estimates for the system under consideration in the above space. In the case of coefficients weakly oscillating at infinity, necessary and sufficient conditions for the validity of the a priori estimate were found. These conditions were written out in the language of the spectrum of limit matrices formed by the partial limits of the coefficient matrix at infinity. Specific examples were provided to illustrate how the limit matrices are constructed and what the above conditions look like.

This article proposes increasing cognitive activity using technology for developing critical thinking in chemistry lessons. To achieve this goal, an analysis of the scientific literature was carried out, which made it possible to identify the capabilities, advantages and benefits of this method, the purposes of its application and provide examples of the classification of critical thinking. The article provides examples of learning situations that can become the basis for the development of critical thinking.