Empty Nest

One by one

baby birds began to fly

from underneath the fluffy down

of mama bird’s feathers.

They were snug and secure

from the elements.

The feeling was fleeting,

as a new world was daunting.

The birds grew and flew.

Snakeskin

The snake shed his skin

crawling through the grass.

He was traveling to see his next of kin,

with a little sass.

There was a rattle in the rocks.

His relatives were around the bend,

that’s how he knocks-

slithering into their den.

Art From a Hot Kiln

A fire-glazed smile

with alien eyes

pointing upward,

hoping to go home.

He was fired up to shine.

Art captured a moment

with a slanted view.

Mary Bone’s recent poetry can be found at Synchronized Chaos, 100 Sub Texts Magazine, Poetry Catalog, Literary Revelations, Ultramarine Literary Review and upcoming at Feed the Holy and eMerge Magazine.

The evil eye

One of the joys of what I shall euphemistically describe as reaching a certain age is having a doctor tell you that what’s occurred is because you’re old.

I have what he told me is a conjunctival haemorrhage. In other words, I’m safe if, in the next few days, I get into a situation where my opponents have been told not to fire until you see the whites of my eyes. My left eye has next to no white in it, is red, from a burst blood vessel.

& the reason for it? No specific reason, just age, old age — amended to as you grow older after I cast a one-eyed sideswiping glance at the doctor. Just happens, nothing you can take for it, do to it, doesn’t affect your vision. Only wait till it goes away, a series of color transformations, red through to yellow, just like a bruise.

Changeling

The small yellow

flowers brought

down by the rain

have changed the

path into / not a

path. That arti-

ficial transverse

now part of the

tree from which

the flowers fell.

On or off the highway

Able to think in

short phrases only

while long lines of

thought fly by in

the outer lane.

O sole mio

Diva. The word

is so debased

that the young

girl standing out-

side the house

where Maria Callas

used to live, sing-

ing off-key Mariah

Carey songs, has

a better than even

chance of

being called one.

Citric update

Not quite Spring by the calendar, but the temperature is in the high twenties C. — just under 80° F. — & the flowers in the pots under the awning are flush with large scarlet & white blooms. It’s warm enough for the cat to decide to stay out at night.

The citrus trees are threatening to deliver fruit. We’ve had them for about 18 months, & so far their crops have been one lemon, which was on the tree when we bought it, & one grapefruit which we can honestly claim to be our own. But the lime tree currently has lots of small fruit on it, the lemon is in flower & spreads that wonderful perfume, & the grapefruit has pushed out new leaves & has a couple of buds on it.

Mind you, this happened last year as well. Then the ants got active & managed to knock off all the young limes, & then the locusts — huge, some the size of elephants — descended upon the lemon & the grapefruit & turned them into almost skeletons. I think what was left of the lemon’s energy was taken up bringing that single fruit to – I guess I have to use the word – fruition, & that single grapefruit only survived because it grew sufficiently whilst the various armies were busy with the other offerings.

Still, although somebody knocked off the single custard apple from the tree at the bottom of the driveway — a bad growing season for them, not enough humidity in the air — we have got a few mandarins & oranges this year from the other trees in the same area. The fruit reminds me of someone, possibly myself, rough-looking on the outside, but inside, oh so sweet. & juicy.

The Dancer of Life

The dancer

Concentrates

and begins to practice

movements with rehearsals

successes and errors…

She dances in life

Not to live

But as her breath of life

It’s her choice

It’s her way of expressing

love for herself and

for others…

Dancing changes her energy

And spreads it to others

To change their day…

Mirta Liliana Ramírez has been a poet and writer since she was 12 years old. She has been a Cultural Manager for more than 35 years. Creator and Director of the Groups of Writers and Artists: Together for the Letters, Artescritores, MultiArt, JPL world youth, Together for the letters Uzbekistan 1 and 2. She firmly defends that culture is the key to unite all the countries of the world. She works only with his own, free and integrating projects at a world cultural level. She has created the Cultural Movement with Rastrillaje Cultural and Forming the New Cultural Belts at the local level and also from Argentina to the world.

Financial Technologies (FinTech) as an Innovative Solution in the Banking System

      Abstract: This article discusses the concept of financial technologies (FinTech), their application in the banking system, advantages, and existing challenges. Furthermore, it analyzes the role of FinTech in modernizing banking services, improving customer satisfaction, and ensuring competitiveness.

      Keywords: FinTech, banking system, digital economy, financial services, innovation.

      Introduction

      In recent years, the financial services sector has been developing rapidly worldwide. At the center of this transformation lies financial technologies, commonly known as FinTech. FinTech refers to the wide application of modern information technologies in providing financial services. Internet banking, mobile applications, electronic payment systems, cryptocurrencies, and blockchain technologies have taken financial systems to a new level. The banking sector of Uzbekistan is also part of this global trend. In recent years, electronic payment systems have developed significantly, and mobile banking has been actively introduced. This process, on one hand, creates convenience for customers, and on the other hand, enhances the competitiveness of banks.

      Main Part

      The integration of financial technologies into the banking system provides several key advantages:

1. Speed and convenience. Customers can use banking services without leaving their homes. Mobile banking allows them to make payments, monitor accounts, and apply for loans quickly and easily.

2. Cost reduction. Instead of expanding physical branches, banks can enlarge their customer base through digital services. This ensures efficiency for both banks and clients.

3. Security. Payment systems based on blockchain technology reduce the risks of fraud and data manipulation.

4. New products and services. FinTech enables banks to introduce innovative services, such as instant microloans, online investment platforms, and working with crypto-assets.

5. Expansion of customer base. Digital services attract younger and more tech-oriented customers, thereby enhancing financial inclusion. Despite these advantages, FinTech development faces certain challenges. Cybersecurity threats, legal gaps, and insufficient digital literacy among certain groups of the population may hinder its progress. Therefore, banks should not only implement technological innovations but also pay attention to raising customers’ digital awareness.

      Conclusion 

      In conclusion, financial technologies (FinTech) are among the key factors shaping the future of the banking sector. They simplify and accelerate financial services while creating opportunities for innovative development. In Uzbekistan, the active implementation of FinTech will allow banks to provide high-quality services, increase accessibility of financial services, and strengthen the competitiveness of the national economy.

      References

1. Arner, D. W., Barberis, J., & Buckley, R. P. (2016). The Evolution of Fintech: A New Post-Crisis Paradigm? Georgetown Journal of International Law, 47(4), 1271–1319.

2. Philippon, T. (2016). The FinTech Opportunity. NBER Working Paper No. 22476, National Bureau of Economic Research.

3. Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services. Journal of Management Information Systems, 35(1), 220–265.

4. Zavolokina, L., Dolata, M., & Schwabe, G. (2016). FinTech – What’s in a Name? Proceedings of the 37th International Conference on Information Systems (ICIS 2016), Dublin.

I am Eshmurodova Sevinch Bahrom qizi, born in 2006 in the Kamashi district of the Kashkadarya region. Between 2022 and 2024, I studied at the Academic Lyceum of Karshi State University in the “exact sciences” department and successfully graduated. In 2024, I was admitted to Karshi State Technical University and am currently a 1st-year student at the Faculty of Economics and Management, Banking Department. In my free time, I play sports. I am a 3-time champion of Uzbekistan. I have also taken the honorable 1st place in Tashkent several times. In addition, I have won the Rector’s Cup several times. Currently, I am running an online business at home. I make tiaras for girls. I take an online course in Turkish. My goal is to open a training center in the area where I live, in agreement with the governor.  I would like to pay special attention to Turkish, Russian, mathematics, and robotics.

the silence of the unspoken word in the minefield of freedom

we fight for love and die for a dignified death

shot up house feels homeless

you fuck in the basement to the sounds of sirens and explosions

***

You are snow therefore you are water

You are slipping through my fingers

You are the air I breathe

You are the poison that takes my breath away

You are the numb rain that washes my tears

You are everything to me and you are nobody to me

You live a thousand miles away inside my head

Your name is night and I am drowning in the darkness of your lighthouse

***

bird drinks blood from a wound

і fall asleep in the glass grass

summer takes me into its cradle

***

resolve only the war in the body of nature

birth and death are bloodier than ever before

due to a broken leg (who?) manages to urinate only on leg

because of a broken soul (who?) manages to cry involuntarily

the kitten inside the mother’s belly swims like a fish

the kitten does not know that he will be born a predator

Systems of Linear Equations and Solving Them Using Cramer’s Rule

Kokand State University    

Faculty of Exact Sciences and Digital Technologies   

Student: Mamadaliyeva Durdona  

E-mail:durdonamamadaliyeva60@gmail.com                                                        

Abstract: In this scientific article, the theoretical foundations and practical application of solving systems of linear equations using Cramer’s rule are described. The method is based on determining the unknowns through determinants and is applicable only when the main determinant is nonzero. The algorithm steps are demonstrated on examples with two and three unknowns, and the general form of the formulas is presented.

Keywords: Cramer’s rule, trapezoid, system of linear equations, algebraic method, determinant, constant term.

Аннотация: В данной научной статье раскрываются теоретические основы и практическое применение решения систем линейных уравнений методом Крамера. Метод основан на определении неизвестных с помощью определителей и применяется только в случаях, когда главный определитель не равен нулю. На примерах с двумя и тремя неизвестными показаны этапы алгоритма и приведена общая форма формул.

Ключевые слова: метод Крамера, трапеция, система линейных уравнений, алгебраический метод, определитель, свободный член.

Systems of linear equations arise in many fields of science, engineering, and economics. Solving such systems efficiently and accurately is an important skill in linear algebra. One of the classical methods for solving systems with a unique solution is Cramer’s Rule, which is based on the concept of determinants.

For systems with a non-zero determinant, Cramer’s rule is one of the simplest and most convenient methods to understand and apply.

                                     References:

·  Azlarov, T., & Mansurov, Kh. (1994). Mathematical Analysis, Vol. 1. Tashkent: “O‘qituvchi”. 315 pages.

·  Azlarov, T., & Mansurov, Kh. (1995). Mathematical Analysis, Vol. 2. Tashkent: “O‘qituvchi”. 336 pages.

·  Ayupov, Sh. A., & Berdikulov, M. A. (2004). Theory of Functions. Tashkent: “O‘AJBNT” Center. 148 pages.

·  Turgunbayev, R. (2008). Mathematical Analysis, Part 2. Tashkent: TDPU.

·  Jo‘rayev, T., et al. (1999). Fundamentals of Higher Mathematics, 2nd ed. Tashkent: “O‘zbekiston”.