The article examines the possibilities of improving the financial potential of the Azerbaijani economy. It was determined that the increase in gross domestic product, population income, and bank deposits plays a fundamental role in improving the financial potential. In the article, the impact of factors such as gross domestic product (GDP), population income and bank deposits, investment allocations, and credit on state budget revenues, which are the main indicators of financial potential, was quantitatively evaluated using a linear multivariate regression model. The calculation revealed that there is a high correlation between the volume of state budget revenues and GDP, population income and bank deposits, as well as the amount of investment and credit. Such a situation is ultimately characterized by a significant impact on the financial potential of the country's economy. The results of the study on identifying opportunities for improving the financial potential of the economy show that such an approach can help predict the development prospects of financial potential, assess resource capabilities and ensure their more efficient use. The results of the study on identifying opportunities for improving the financial potential of the economy show that such an approach can help predict the development prospects of financial potential, assess resource capabilities and ensure their more efficient use.

Financial deepening has proven to enhance economic growth by mobilizing investments and boosting productivity in developing countries. However, the empirical literature regarding its relationship with economic growth in Kenya remains inconclusive. This study examines the long-run and short-run effects of financial deepening indicators on Kenya's economic growth from 1990 to 2023, utilizing the Autoregressive Distributed Lag (ARDL) technique applied to data from Kenya. The results indicate that, in the long run, all financial deepening variables have a positive influence on economic growth in Kenya. In the short run, findings show a positive relationship between private sector credit, stock market performance, bank deposits, money supply, and economic growth. At the same time, liquidity liabilities exhibit a negative relationship in Kenya. This underscores financial deepening as a key driver for economic growth by facilitating economic upgrading through capital accumulation. To stimulate economic growth in Kenya, policies should prioritize enhancing access to private sector credit and improving stock market regulations. Furthermore, increasing financial literacy and integrating financial technology would encourage savings and expand access to financial services. Keywords: Financial Deepening, Financial Services, Economic Growth, ARDL    

The healthcare sector is undergoing a transformative shift driven by the integration of Artificial Intelligence (AI) and the principles of Industry 5.0. This paper explores how AI is revolutionizing Human Resource Management (HRM) in healthcare, enhancing operational efficiency, optimizing recruitment and talent acquisition, and fostering employee engagement. Industry 5.0 introduces a human-centric approach that emphasizes collaboration between humans and advanced technologies, prioritizing employee well being and creating a more resilient workforce. This study also highlights the experiences of the Western Balkans, where regional adoption of AI in healthcare HRM has demonstrated significant improvements, including reduced recruitment times, enhanced workforce efficiency, and alignment with European Union digital health standards. Through a comprehensive review of current literature, case studies, and statistical data, this paper examines the benefits, challenges, and future implications of AI-driven HRM systems, with a particular focus on predictive analytics, personalized employee development, and proactive workforce planning. It further addresses critical challenges such as data privacy, ethical considerations, and the need for robust governance frameworks to ensure transparency and fairness in AI-driven decision-making. The findings reveal that successful integration of AI and Industry 5.0 principles in healthcare HRM not only enhances organizational agility but also improves public health outcomes, positioning healthcare providers to navigate the complexities of an evolving global healthcare landscape.

The article is devoted to the problem of economic education, which is one of the most relevant topics of the modern era. In the educational process, young people receive more information and acquire new knowledge and skills. By providing economic knowledge to young people economic, consciousness is formed in them. The article provides the oretical provisions on the implementation of this problem in the educational process. The acquisition of new knowledge and skills related to the educational process is not only considered, but also the development of logical, creative and critical thinking in economic education. Providing information about entrepreneurial activity to young people leads to the development of their economic education at the level of current reguirements. The author touched upon the instillation of social skills, collective qualities, economic skills and the acquisition of economic culture in them and expressed a critical attitude. The article analyzes the concept of economy from a social aspect.

This article explores the applications of artificial intelligence in the field of user behavior analysis on websites and the potential of this technology. Artificial intelligence algorithms are widely used in various fields such as personalized content presentation by analyzing user behavior, enhancing customer experience through chatbots and virtual assistants, improving user experience, optimizing marketing campaigns, increasing customer satisfaction, and detecting fraudulent activities. The article explains how various technologies of artificial intelligence, including methods such as machine learning, deep learning, and natural language processing, are used to predict and analyze the behavior of website users. It also discusses the potential opportunities of artificial intelligence for more accurate analysis and prediction of user behavior in the future. The article highlights the growing role of artificial intelligence in user behavior analysis and shows what strategic advantages advances in this field provide for businesses.