Increasing Bank Revenues through Open Banking and  API-Based Services: Prospects for Uzbekistan

Gulchekhrakhon

doi:https://doi.org/10.54216/JSDGT.060101

Journal of International Economics Research | 2026

The Role of Gamification in Shaping Sustainable Environmental Science Education within Public Management Framework

The integration of innovative technologies in higher education is pivotal for advancing environmental science education and addressing contemporary ecological challenges. This paper explores the efficacy of gamification and interactive media technologies in enhancing the educational experience and learning outcomes for students in environmental science programs. Through a comprehensive review of current pedagogical practices and case studies, this study evaluates how these technologies can foster engagement, improve knowledge retention, and develop practical skills necessary for sustainable environmental management. Our research employs a mixed-methods approach, combining quantitative data from controlled experiments with qualitative insights from student and faculty interviews. The findings indicate that gamified learning modules and interactive simulations significantly enhance students' understanding of complex environmental processes and their implications. Furthermore, these technologies promote active learning and critical thinking, which are essential for addressing issues such as waste management, water and air pollution control, and sustainable agriculture. In addition to pedagogical benefits, the paper discusses the scalability and adaptability of these technologies in diverse educational settings, emphasizing their potential to democratize access to high-quality environmental education. The study also highlights the importance of faculty training and institutional support in successfully integrating these tools into the curriculum. This research underscores the need for continuous innovation in educational methodologies to equip future generations with the skills and knowledge required to tackle environmental challenges. By embracing gamification and interactive media, higher education institutions can play a crucial role in fostering a sustainable future.

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Diyor Umarov mail

link https://doi.org/10.54216/JIER.030103

Volume & Issue

Vol. Volume 3 / Iss. Issue 1

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International Journal of Artificial Intelligence and Education Technology | 2025

The Application of Artificial Intelligence in Accounting and Taxation Based on Expert Assessments

This study examines the theoretical, methodological, and applied aspects of artificial intelligence (AI) integration into accounting systems and tax administration using expert evaluation methods. A systematic review of contemporary academic literature is conducted to clarify the conceptual foundations of artificial intelligence and to substantiate its functional role in the digital transformation of accounting and fiscal processes. The analysis focuses on key applied areas of AI utilization, including the automation of accounting and managerial operations, the implementation of intelligent accounting information systems, and the use of virtual assistant platforms for tax compliance and automated reporting. Selected applied solutions—such as Robotic Process Automation (RPA), accounting software robots (RobBee), and the virtual assistant DavrOn—are examined to demonstrate the practical potential of intelligent technologies in financial and tax management. The results indicate that AI-based solutions contribute to higher operational efficiency, improved data reliability, enhanced procedural transparency, and greater adaptability of managerial decision-making under conditions of increasing data complexity.

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Gulyamov Saidahror mail -

Achilov Salohiddin mail -

Abdukarimova Munisa mail

link https://doi.org/10.54216/IJAIET.040101

Volume & Issue

Vol. Volume 4 / Iss. Issue 1

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Journal of International Economics Research | 2026

From Knowledge Loss to Capital Flows: How Uneducated Emigration Shapes Education and Regional Resilience in Uzbekistan

This paper investigates the relationship between the emigration of less-educated individuals from Uzbekistan and its effects on regional capital flows, educational disparities, and the potential for local economic resilience. Using panel data from 2010 to 2023 across Uzbekistan’s regions, the study examines how remittances, banking accessibility, and the share of uneducated emigrants influence regional education expenditures and gaps. Findings suggest that while remittances partially mitigate the adverse effects of human capital loss, regions with higher shares of uneducated emigrants experience slower educational development, widening disparities. Policy interventions focused on collaborative approaches between local governments, financial institutions, and civil society are proposed to harness remittance flows and enhance financial inclusion, ultimately fostering economic resilience and reducing educational inequalities.

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Abrorkhuja Ismoilov mail

link https://doi.org/10.54216/JIER.030104

Volume & Issue

Vol. Volume 3 / Iss. Issue 1

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International Journal of BIM and Engineering Science | 2026

BIM-Enabled Interpretation of Saudi Building Code Shear Wall Requirements for Mixed-Use Buildings

Purpose: this study aims to develop a Building Information Modeling (BIM)-enabled methodology that integrates Saudi Building Code (SBC) seismic detailing provisions for reinforced concrete shear walls into a rule-based parametric modeling environment. The research seeks to enhance compliance traceability, automate code interpretation, and improve quantity accuracy for mixed-use high-rise buildings with significant vertical zoning effects. Approach, Selected SBC shear wall provisions were translated into computable IF–THEN engineering rules linked to BIM parameters. The methodology incorporated vertical zoning, axial load ratio evaluation, rule-based reinforcement detailing, and automated quantity extraction. The framework was validated using a large-scale Saudi healthcare mixed-use case study through comparison of BIM-derived quantities with independent SBC-consistent reference calculations on a zone-by-zone basis. Findings, Results indicate that axial load ratio governs boundary element activation and confinement reinforcement demand. BIM-generated reinforcement distributions aligned closely with SBC intent, showing average differences of 2–4% for concrete volume, 3–6% for longitudinal reinforcement, and 4–8% for confinement reinforcement. Boundary confinement was concentrated within the lower 30–40% of building height, while zone-based detailing reduced upper-zone reinforcement by approximately 15–25%. Practical Implications, the methodology improves automated compliance verification, reduces overdesign, enhances reproducibility, and supports efficient structural modeling for complex mixed-use buildings. Originality/Value, the study establishes a direct digital linkage between SBC provisions, parametric BIM modeling, and automated structural quantity outputs.

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Islam Ibrahim Shoheb mail -

Sonia Ahmed mail -

Haretha Aljabr mail

link https://doi.org/10.54216/IJBES.120201

Volume & Issue

Vol. Volume 12 / Iss. Issue 2

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International Journal of BIM and Engineering Science | 2026

Quantifying Geospatial Logistics Risks in Construction Supply Chains through an Integrated GIS-4D BIM Framework

Construction supply chains are inherently sensitive to spatial and logistical disruptions, yet conventional project planning approaches including standalone 4D BIM, rarely incorporate geospatial risk factors. This study proposes an integrated GIS-MCDM-4D BIM framework to quantify, simulate, and operationalize geospatial logistics risks within construction supply chains. The framework systematically translates GIS-derived spatial risk indicators such as supplier accessibility, transportation network variability, and route vulnerability into temporal constraints embedded in 4D BIM simulations. A real-world case study of a reinforced concrete project in Syria, involving multiple suppliers and a heterogeneous transportation network, is employed to validate the approach. Findings indicate that even minor spatial disruptions can cascade through interdependent construction activities, resulting in significant schedule delays. The integration of GIS and 4D BIM enables proactive, risk-informed planning, demonstrating that geospatial conditions exert a substantial influence on construction timelines. This framework advances beyond descriptive GIS applications by providing a quantitative, operational tool for enhancing schedule reliability, supplier selection, and decision-making in complex and unstable construction environments. The proposed methodology offers a transferable solution for managing geospatial logistics risks in diverse construction contexts.

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Batoul Hasanin mail -

Youssef Aris mail -

Sonia Ahmad mail -

Amarnath CB mail

link https://doi.org/10.54216/IJBES.120202

Volume & Issue

Vol. Volume 12 / Iss. Issue 2

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Journal of International Economics Research | 2026

Intuition as a Double-Edged Sword: The Paradox of Visionary Leadership and Market Discounting

In the contemporary landscape of corporate governance, the role of intuition in strategic decision-making remains a contentious economic variable. This paper explores a phenomenon where managerial intuition acts as a double-edged sword, capable of generating both a “visionary premium” and a “governance discount.” While traditional financial models emphasize data-driven rationality, top-tier executives frequently rely on strategic intuition to navigate high-entropy environments. Through a comparative analysis of market capitalization trends and investor sentiment, this study identifies the conditions under which the market rewards intuitive leaps as innovation or penalizes them as information asymmetry. Our findings suggest that the economic outcome of intuitive leadership is mediated by “institutional trust” and “past performance signals.” The paper concludes by proposing a framework for “Analytical Verification,” suggesting that the most resilient market value is created when intuitive hypotheses are filtered through rigorous quantitative stress-testing.

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Dmitriy Yagudin mail

link https://doi.org/10.54216/JIER.030105

Volume & Issue

Vol. Volume 3 / Iss. Issue 1

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Journal of International Economics Research | 2026

Economic Effects of AI Adoption in the Corporate Sector

The rapid development of digital technologies and artificial intelligence has significantly transformed the modern corporate environment. Artificial intelligence is increasingly used by companies to automate business processes, improve decision-making, and enhance operational efficiency. Therefore, studying the economic effects of AI adoption in the corporate sector has become highly relevant, especially for countries undergoing digital transformation such as Uzbekistan. The aim of this article is to analyze the economic impact of artificial intelligence adoption in the corporate sector and evaluate its influence on corporate productivity, operational efficiency, and profitability. The research is based on a quantitative analytical approach, including statistical analysis, comparative analysis, and case study methods. The empirical analysis was conducted using a sample of 30 companies from sectors such as banking, telecommunications, manufacturing, and information technology. The results show that companies implementing AI technologies demonstrate higher labor productivity (95,200 USD revenue per employee) compared to companies without AI adoption (71,400 USD). In addition, AI-adopting firms show lower operational costs (38% vs. 46%) and higher profitability indicators (ROA 11.8% compared to 7.4%). The findings confirm that artificial intelligence contributes to improving corporate efficiency and competitiveness. The practical significance of the study lies in providing evidence that AI adoption can support the development of the digital economy and enhance corporate performance in Uzbekistan.

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Artur Aleksandrovich Kim mail

link https://doi.org/10.54216/JIER.030201

Volume & Issue

Vol. Volume 3 / Iss. Issue 2

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Journal of International Economics Research | 2026

Remote Employment and Macroeconomic Transformation in the Digital Economy

The rapid development of digital technologies has significantly transformed labor markets and created new forms of employment organization. One of the most important trends in the digital economy is the expansion of remote employment, which allows employees to perform professional tasks outside traditional workplaces. The relevance of this study is determined by the growing importance of remote work and its potential macroeconomic effects on labor markets, productivity, and economic development. The aim of this article is to analyze the macroeconomic implications of remote employment and evaluate its role in the transformation of the labor market in Kazakhstan. The research is based on a quantitative analytical approach, including statistical and comparative analysis of employment data. The empirical study covered 24 organizations across four economic sectors, including information technology, finance, education, and professional services. The results show that the share of remote employees varies between 27.8% and 48.5% depending on the sector, with the highest level observed in the information technology industry. At the national level, the number of remote workers in Kazakhstan reached approximately 46,700 employees, representing about 0.5% of the total employed population. The findings indicate that remote employment contributes to increased labor flexibility and productivity in digitally intensive sectors. The study highlights the importance of developing digital infrastructure and improving digital skills to support the expansion of remote employment and strengthen the digital economy.

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Galiya Rakhmetovna Dauliyeva mail

link https://doi.org/10.54216/JIER.030202

Volume & Issue

Vol. Volume 3 / Iss. Issue 2

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Journal of International Economics Research | 2026

Global Food Market Integration and its Implications for National Food Security

The stability of global food markets has become a critical factor influencing national food security in many countries. In recent years, global food systems have experienced significant volatility due to economic globalization, climate change, geopolitical conflicts, and disruptions in international supply chains. These factors have increased the vulnerability of national food systems, particularly in countries that depend heavily on imported agricultural products. Therefore, studying the relationship between global food markets and national food security is highly relevant for ensuring sustainable economic and social development. The aim of this article is to analyze the impact of global food market dynamics on national food security and to evaluate the relationship between international food trade, food price volatility, and national food supply stability. The research is based on a quantitative analytical approach, including statistical analysis and comparative analysis of international food security indicators. The empirical analysis covers a sample of 20 countries, including 12 food-import-dependent countries and 8 agricultural exporting countries. The results show that the average Food Import Dependency Ratio reached 54.2% in import-dependent countries, while the average Global Food Security Index score was 62.4 compared with 71.8 in exporting countries. The study also identified significant volatility in the FAO Food Price Index, which increased from 98.1 in 2020 to 143.7 in 2022. The findings confirm that strengthening domestic agricultural production while maintaining balanced participation in global food markets can significantly improve national food security and enhance the resilience of food systems.

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Marina Rudolfovna Li mail -

Sergey Alekseevich Shoba mail

link https://doi.org/10.54216/JIER.030203

Volume & Issue

Vol. Volume 3 / Iss. Issue 2

Details open_in_new

Journal of Sustainable Development and Green Technology | 2026

Increasing Bank Revenues through Open Banking and API-Based Services: Prospects for Uzbekistan

Presently, there has been increasing policy attention from financial regulators in emerging banking systems on the need to look into the institutional mechanisms that could strengthen revenue generation of commercial banks in digital banking ecosystems. This study was an attempt to highlight the role of Open Banking platforms and API-based financial services in determining bank revenue growth in digital banking markets & financial service ecosystems (Uzbekistan). Therefore, the empirical findings of the present study can be used to better comprehend how Open Banking frameworks could be implemented in enhancing bank revenue streams in Uzbekistan. The previously developed Open Banking adoption indicators, API service readiness indicators, and bank revenue determinants framework in digital financial studies were used to collect data from banking professionals in commercial banks and fintech institutions. AHP’s prioritization results and structural equation modeling results on Open Banking adoption and API service integration increased significantly after evaluation with the support of the SEM analytical model. Additionally, the results of AHP analysis showed that Open Banking services and API-enabled platforms were the main areas of priority to be adopted by commercial banks on the basis of revenue-generation potential and service-integration capability, respectively. Moreover, the results also showed that out of five determinants, API service integration played a significant role in linkages between Open Banking adoption and bank revenue growth. The implications derived from this study can be used for enhancing bank revenue diversification in the context of Open Banking ecosystems. The finding is important given that higher levels of the Open Banking infrastructure are often found in digital banking systems of developed economies which cost less per unit of financial transaction – as there is less manual processing involved.

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Gulchekhrakhon Ostonakulova mail

link https://doi.org/10.54216/JSDGT.060101

Volume & Issue

Vol. Volume 6 / Iss. Issue 1

Details open_in_new