aspg-37-1586-1792223579 20261017075259 American Scientific Publishing Group admin@americaspg.com American Scientific Publishing Group Financial Technology and Innovation FinTechI 2836-5372 2022 1 2 Zokir Mamadiyarov Head of the Student Affairs Department, Ph.D, TSUE Tashkent 100047, Uzbekistan Raximjon Maxmudov Director of the Retail Services Department of JSCB, Tashkent 100011, Uzbekistan Mokhichehra Qurbonbekova Chief specialist Department of "Commercialization of scientific and innovative works" TSUE Tashkent 100047, Uzbekistan Mukhlisa Mahmudova PhD of Banking and investment Department, TSUE Tashkent 100047, Uzbekistan Nasiba Sattorova Senior lecturer of Banking and investment Department,TSUE Tashkent 100047, Uzbekistan Such a precarious situation that continues around the world today is causing major shifts in the economies of any large, sufficiently developed country. At the same time, the spread of the COVID-19 virus in Uzbekistan has led to a number of socio-economic and political changes in the country. Such pandemic conditions have caused the world economy to become inactive, stagnant. This, in turn, requires the country to mobilize all its resources to mitigate the impact of the negative consequences, in the event of low losses, that is, to get out of this situation rationally, using the available resources. 2022 15 21 1586 https://creativecommons.org/licenses/by/4.0/ 10.54216/FinTech-I.010202 https://americaspg.com/journal/37/article/1586 https://americaspg.com/storage/71677433621.pdf