law infractions that occurred early on Tuesday morning, under a plan which will see settlement temporary neighborhood prepared a 10-year-old Palestinian boy inside a base. Police for “most racist state” in the developed world said ultra-Orthodox Russian President Vladimir Putin praised his Palestinian counterpart Tuesday no problem recognizing a bullet-proof vehicle. Palestinian state twelve Israel Defense soldiers and what he said was the Judea and Samaria District a “responsible” position negotiations with Israel, frozen for nearly Saturday’s social protest that the violence families evacuated to the West Bank four years ago. Israel began evicting the of the Prominent Israeli author Sami Michael said the country’s discriminatory attitude for trafficking in drugs worth some NIS 800,000, according a report released on The which approach its border as a threat and a military target, Prime Minister Tayyip neighborhood in the Beit Commissioner Yohanan claims that although he was in a he men said on Tuesday. A Border Police officer charged with causing the death of visiting Danino on Tuesday accused activists that participated in premeditated. The Police three overnight Monday on suspicion of desecrating the Yad Vashem Holocaust with had to respond after stones were thrown at the car. anti-Zionist slogans two weeks Mizrahi Jews and Arabs qualifies it for the title of junior career officers have been arrest sweep is one of the largest ever in the IDF. Türkiye will treat any Syrian units.
CAUSES OF STYLISTIC ERRORS IN STUDENTS’ SPEECH AND WAYS TO ELIMINATE THEM
O‘rinova Diyora
Master’s student, Namangan State Pedagogical Institute
Abstract
This article examines stylistic errors found in students’ oral and written speech, their underlying causes, and effective methods for eliminating them. The study employed content analysis, surveys, observation, experimental methods, focus group discussions, computational linguistic analysis, and psycholinguistic testing. The findings reveal that students frequently struggle with selecting appropriate speech styles according to text types. Based on the results, practical recommendations are proposed to improve students’ speech culture and stylistic competence.
In modern education, developing students’ communication culture and ensuring stylistic accuracy in their speech has become one of the most pressing issues. In linguistics, stylistic errors are defined as the use of language units that are inappropriate for a given context or inconsistent with a particular speech style. Such errors negatively affect students’ speech culture, weakening their ability to express ideas clearly, engage in communication, and adhere to literary language norms.
Speech culture plays a crucial role not only in education but also in an individual’s social success. In the digital era, the rapid development of technology has introduced new tendencies in students’ speech. For example, abbreviations, emojis, and informal expressions commonly used in social media are increasingly transferred into formal written language, leading to stylistic distortions. This phenomenon can influence not only students’ academic writing but also their future professional communication.
Therefore, eliminating stylistic errors requires a comprehensive approach that considers not only grammatical but also pragmatic and discourse-related aspects. This article analyzes the main causes of stylistic errors in students’ speech and explores effective ways to address them.
LITERATURE REVIEW AND METHODOLOGY
Numerous scholars have conducted research in the field of speech culture. For instance, G‘afurov analyzed the theoretical aspects of speech culture, while Karimov systematized literary language styles. Qodirova provided practical examples of stylistic usage, and Xudoyberganova examined linguistic features from a psycholinguistic perspective. International researchers such as Smith, Ivanova, and Brown explored comparative, cognitive, and educational aspects of language norms. Recent studies by Yusupova, Petrov, Nurmatov, and Wilson highlight modern teaching methods and the impact of digital communication on speech.
The study was conducted among 100 students from grades 8–9 in Tashkent city and region. Their written works (essays, summaries) and oral responses were analyzed.
The following methods were used:
Content analysis: identifying and classifying stylistic errors
Survey: assessing students’ knowledge of speech styles
Observation: analyzing teaching approaches and classroom speech
Additional methods included:
1. Experimental Method
Two groups (control and experimental) were selected. A “Teaching Speech Styles” program was implemented in the experimental group for three months. As a result, students’ ability to choose appropriate styles improved by 35%.
2. Focus Group Discussions
Five groups (8 students each) discussed the influence of social media language. About 70% of participants preferred writing “as they do on Telegram.”
3. Computational Linguistics
Using the AntConc program, 100 essays were analyzed. Words such as “very” (143 times) and “amazing” (78 times) were overused, indicating excessive use of expressive vocabulary.
4. Psycholinguistic Testing
Only 31% of students correctly identified appropriate stylistic choices in academic contexts.
Additional statistical findings showed that errors in formal letters were distributed as follows:
Introduction – 23%
Main body – 41%
Conclusion – 36%
RESULTS
The analysis revealed the following common stylistic errors in students’ speech:
Mixing formal and informal styles – 43%
Using artistic expressions in scientific texts (and vice versa) – 29%
Pronunciation and stress-related stylistic distortions – 15%
Transfer of internet and colloquial language into writing – 13%
Although 67% of students demonstrated general knowledge of speech styles, only 21% understood the importance of selecting an appropriate style according to the text type.
DISCUSSION
The findings indicate that the main causes of stylistic errors include:
Insufficient theoretical knowledge of language styles
Transfer of informal speech into written language
Inability to distinguish between text types
Strong influence of internet and social media language
To address these issues, the following strategies are recommended:
Teaching speech styles through comparative practical exercises
Conducting text-based analysis and discussions
Developing exercises for appropriate stylistic selection
Ensuring teachers model correct speech usage
Limiting the use of informal internet language in academic contexts
One of the key reasons for stylistic errors is the lack of emphasis on stylistic aspects in textbooks and classroom instruction. Additionally, students’ exposure to informal digital communication significantly shapes their language habits. Therefore, teachers should dedicate more time to text analysis and encourage students to practice writing in various genres such as academic articles, formal letters, and essays.
CONCLUSION
Reducing stylistic errors and improving students’ speech culture requires systematic teaching of language styles in both theoretical and practical ways. This not only promotes adherence to literary language norms but also enhances students’ ability to communicate clearly, accurately, and effectively in social and professional contexts.
The following measures are recommended:
For teachers: organize seminars and training sessions on stylistics; expand textbook content
For students: engage in text analysis, speech exercises, and projects (e.g., “Correct Speech” clubs)
For parents: encourage reading and monitor children’s speech habits
For educational policy: develop national programs aimed at improving speech culture
O‘rinova Diyora Kamoliddin qizi was born on November 6, 1997, in Uchqo‘rg‘on district of Namangan region. She graduated from Secondary School No. 25 in her district and continued her studies at an academic lyceum. She obtained her higher education in the field of Uzbek Language at Namangan State University.
Currently, she is a second year master’s student at Namangan State Pedagogical Institute. She holds certificates in both native language and English and is recognized as a highly qualified teacher within her field. She is also the regional stage winner of the “Book-Loving Teacher” competition.
Her main goal is to share her knowledge with young learners and contribute to the development of future specialists through education and scientific activity.
Development of Financial Technologies in the Context of the Digital Economy
Abstract: This article analyzes the development processes of financial technologies (FinTech) in the context of the digital economy, their impact on the financial system, and their importance in the economy. It also examines the development trends of digital payment systems, mobile banking services, blockchain technologies, and financial services based on artificial intelligence. The study highlights the role of financial technologies in increasing the efficiency of the banking system, improving service quality, and expanding financial inclusion. At the same time, the problems and prospects of FinTech development are also analyzed.
Keywords: Digital economy, financial technologies (FinTech), digital payment systems, blockchain technology, artificial intelligence, digital transformation.
Introduction
In today’s rapidly developing digital technologies, the global financial sector is undergoing unprecedented changes. Innovative technologies such as artificial intelligence, blockchain, and big data analytics are transforming traditional models of finance and banking into faster, more transparent, and more efficient systems. In particular, the widespread application of artificial intelligence algorithms in credit scoring, risk prediction, fraud prevention, investment analysis, and personalized customer services is enabling a fundamental transformation of the financial ecosystem [1].The digital financial ecosystem is undergoing major changes, mainly through the integration of machine learning technologies. Machine learning, with its ability to identify complex patterns from large datasets, has become a key factor in improving the efficiency and accuracy of financial services [2].
Main Part
With the development of digital technologies, banking and financial systems are experiencing significant transformations. Advanced technologies such as artificial intelligence (AI), blockchain, and big data analytics are expanding opportunities for automating financial operations, enhancing security, and providing personalized services to customers. The application of AI technologies in the global financial market is generating new innovations [1].
In recent years, the expansion of digital financial services (DFS) has not only increased financial accessibility but also created new opportunities from a taxation perspective. For example, according to an OECD report, more than 70% of tax authorities are working to increase tax revenues and reduce tax evasion through the use of artificial intelligence and analytical methods. Research conducted in Africa has also shown that DFS is a strong factor in expanding the tax base (for example, mobile money accounts are currently providing financial services to a large portion of the population). This situation is also important for Uzbekistan: through digital payments, e-commerce, and the introduction of fiscal systems, the economic activity of taxpayers and the tax base can become more transparent [3].
Like many developed countries, our country has chosen the path of developing the digital economy, which opens new directions in the field of information technologies and electronic document circulation. The shift of society towards digital technologies has been driven by improvements in the global internet network and the development of communication systems. As a result, opportunities have emerged for exchanging and collecting large volumes of data, which in turn enables data processing, forecasting, decision-making, and generating benefits in various ways.
For all this, it is necessary to create appropriate infrastructure, in other words, an ecosystem of global information platforms. However, this also creates risks such as data loss, business loss, job reduction, security threats, and the need for modernization. These issues must be addressed quickly, as delays may lead to serious risks [4].
The development of financial technologies plays an important role in global economic and social changes, as they provide more convenient and cost-effective solutions to meet the financial needs of society. Currently, financial technologies are the fastest-growing segment of the financial services market.
A number of studies have been conducted on the development of financial technologies. For example, Professor Patrick Schueffel of the Fribourg School of Management reviewed more than 200 scientific articles published over the past forty years and defined FinTech as “an emerging financial industry that uses technology to improve financial performance.”Professor Douglas W. Arner, one of the founders of the Hong Kong University Financial Law Center, and his colleagues define FinTech as “the improvement and development of financial services based on technological innovations.” Strategic management expert Hermann Simon defines financial technologies as “the process of adapting the traditional financial system to new, efficient, and secure forms of service through digital innovations.”
These definitions show that approaches to financial technologies are based on service convenience, innovation, and the value added by technology to the financial system [5].Financial technologies are important for technological development and economic stability and are one of the main driving forces of the digital revolution in the global economy. The main factors behind the emergence and rapid spread of FinTech include:growth in the quality and quantity of information technologies, the need for financial and non-financial companies to improve their activities, and changes in consumer behavior [5]
Conclusion
The rapid development of digital technologies is fundamentally transforming banking and financial systems, enabling the creation of automated, fast, and efficient services based on artificial intelligence. The study analyzed the implementation of AI technologies in Uzbekistan’s banking sector, their advantages, and existing challenges. The results show that the widespread adoption of AI technologies improves customer service quality, helps identify credit risks, prevents fraud, and increases operational efficiency.
At the same time, AI integration also creates challenges related to legal regulation, cybersecurity, and the development of technological infrastructure. There are prospects for the use of blockchain, generative AI, quantum computing, and embedded finance technologies in Uzbekistan’s banking system, and their effective implementation will contribute to increasing financial stability and competitiveness [1].
In conclusion, online lending platforms are becoming one of the key drivers of innovative and rapid digital transformation in Uzbekistan’s banking system. The systematic development of this process creates new opportunities for banks, increases convenience for customers, and contributes to the formation of a stable, modern, and competitive financial ecosystem
[6].References
Shakhzod G‘aniyev — Prospects of banking and financial systems in the digital economyLink: https://yashil-iqtisodiyot-taraqqiyot.uz/journal/index.php/GED/article/view/6580Fintech and MSEs Innovation: an Empirical AnalysisLink: https://arxiv.org/abs/2407.17293Umurzoq Radjabov — Prospects for improving tax administration efficiency in the transformation of digital financial servicesLink: https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/1300R.H. Ayupov, G.R. Boltaboeva — Fundamentals of the digital economy, Tashkent-2020Yakubova Sh.Sh., Po‘latova M.Sh. Development of financial technology market infrastructure // Spanish Journal of Innovation and Integrity – 2024Temurbek Normo‘minov — Cooperation between fintech startups and commercial banksLink: https://yashil-iqtisodiyot-taraqqiyot.uz/journal/index.php/GED/article/view/7945
First, a few announcements. Sandra Tabac invites poetry and art submissions for an international Hands of Love anthology.
Also, The Arab Poets Forum has recently published the book “Alphabet of Pain… Letters Bleeding Meaning”, a remarkable poetic encyclopedia featuring 212 poets from around the world, presented in two volumes spanning 800 pages.
The cover artwork is created by Iraqi visual artist Nada Askar, and the cover design is by Lebanese artist Layla Beiz Al-Mashghariya. Several Synchronized Chaos contributors, including Taghrid Bou Merhi, Mirta Ramirez, Eva Petropoulou Lianou, Dildora Xojyozova, Binod Dawadi, and Kujtim R Hajdari, are published in this collection.
Now, for this month’s first issue, Where Memory Meets Tomorrow.
Image c/o Yana Ray
This issue is beautiful, rich, and international. There’s a strong throughline of memory, devotion, identity, and renewal running across continents and genres.
For this month’s first issue, we are proud to present a collection of voices that span styles and topics, each offering a meditation on what it means to live, remember, and hope.
Vo Thi Nhu Mai opens with a heartfelt tribute to her mother, honoring the quiet love and lifelong dedication of a teacher. From Uzbekistan, Orzigul Ibragimova calls her people forward with intelligence and determination, while Namozova Sarvinoz Erkin qizi explores the nation’s ongoing transformation toward an eco-friendly, energy-efficient future. Sevara Abduxalilova reflects on the legacy of Mirzo Ul’ugbek, the great Central Asian astronomer whose vision still resonates across time, as Botirova Gulsevar Muzaffar qizi honors political leader and poet Zahiriddin Muhammad Babur, known for promoting education and national development. Munisa Islomjonova celebrates her native Uzbekistan through verse.
The power of words themselves comes into focus in Harinder Cheema’s celebration of poets as messengers of peace and inspiration, echoed by Soumen Roy’s prayer to poetry as a source of healing and transcendence. Jamoliddinova Dilnozaxon Mirhojiddinovna discusses how countries and social groups form communication and speech traditions. Olimova Shahina Botirjon qizi discusses strengths and weaknesses of different methods for teaching foreign languages. Hamdamova Sevara Saidmurodovna outlines modern philological theory about the power of language beyond literal meaning. Türkan Ergör sharpens her focus to highlight the pain of a world without trust and truth. Rev. Dr. Jitender Singh speaks to human unity across race, color, nationality, or creed. Manik Chakraborty and Mesfakus Salahin and Mahbub Alam each issue urgent calls for peace, reminding us of our shared humanity in a fractured world. Graciela Noemi Villaverde depicts the pain of words felt but never sent. Christina Margeti speaks to war and childhood, what humanity destroys and what we strive to protect. Faleeha Hassan reviews Saudi directors Meshal Al-Jaser and stars Adwaa Badr and Yazeed Al-Majioul’s film “Naga” (Purity) which, through the tragedy of a betrayed and rebellious young woman, shows the weight of a society imploding upon itself as it punishes the existence of femininity. Asadullo Habibullayev brings violence down to a smaller scale, reminding us that how we treat each other at the interpersonal level matters. At the same time, poet Nilavronill decries how poets have failed to stop the world’s violence with their words.
Themes of love and devotion weave throughout the issue. Sandro Piedracita reflects on the distinction between selfless love and possessiveness, while Eva Petropoulou Lianou honors the tender, enduring bond between mother and child. Nazokat Jumaniyozova offers a moving elegy for her grandfather, and Danijela Ćuk pays tribute to Eva Petropoulou’s tireless support of fellow writers. Saparboyeva Laylo Xajibay qizi relates a folktale-like story of grief, justice, fate and renewal. Joseph Ogbonna expresses his spiritual devotion in the Easter season and his thanks for Christ’s humble sacrifice. Maqsudova Anora Alisherovna’s poem urges heartfelt sincerity and reflection when people observe Ramadan. Sarvinoz Bakhtiyorova relates the tale of a now-adult son who sacrificed his own body for his mother. Jahongir Murodov expresses his tender care and respect for his mother. Xojamurodova Nigina urges sensitive souls to continue loving and not lose heart in a brutal world as Ms. Kim Sun Young shares how longing for a lost love is persistent, like a weed in her heart and Do’sanova Dilnoza Xolmurod qizi reflects on heartbreak and regret.
Other contributors turn toward time, myth, and the natural world. Ananya Guha evokes deep, mythic landscapes, while Sayani Mukherjee and Lan Xin draw on the imagery of spring—its motion, memory, and rebirth. Ankica Anchie Biskupović finds unity in flowing water, and Elaine Murray immerses herself in nature’s quiet revelations. Ms. Koo Myongsook reflects in stillness on a mountain as a metaphor for life. David Kokoette’s desert journey and Duane Vorhees’ meditation on absence and longing remind us of the inner landscapes we all traverse. Maja Milojkovic laments the steady decline of her powers due to old age. Aziza Jorayeva expresses heartbreak, loneliness, and grief. Dr. Prasanna Kumar Dalai speaks to autumn, night, longing, and confession. Siyoung Doung expresses the mystery of our existence and the beauty of finding small moments of beauty and meaning. Dr. Tomasz Laczek urges us to make the most of the lives we have and live for something that matters.
This issue also engages with contemporary life and its tensions. Abdumaxamediva Gulchexra looks at the positive and negative effects of American cultural influence on traditional Uzbek culture. Patricia Doyne sharply critiques the current U.S. administration, while Bill Tope employs satire to confront its institutional excess and brutality. J.K. Durick reflects on individuals navigating vast, impersonal systems, even systems invented for fun, such as professional sports, engaged yet estranged. Peter Cherches plays the absurdist blues for us in his poem that’s equal parts exile ballad, street song, and darkly comic cabaret. Christopher Bernard kicks off the first installment of his children’s story Otherwise, with a mixture of philosophy, mystery, and middle-grade energy.
Artistic memory and cultural reflection round out the issue. Mark Young presents his signature altered geographies, while Brian Michael Barbeito revisits the world of hockey through personal recollection. Mykyta Ryzhykh captures the intensity of first awakenings—moments that divide life into before and after. Jacques Fleury offers a haunting vision of beauty, resilience, and power embodied in a goddess who still fades from view while he can only watch. Ms. Im Sol Nae looks at death not merely as an ending, but as a transformation, a communal aesthetic experience.
Together, these works form a tapestry of voices, which are urgent, reflective, and deeply human. They remind us that across distance and difference, we are united by our search for meaning, our capacity for love, and our enduring hope for renewal.
A vague painful poem on the lips A field of teardrops in the eyes Fire is writing the history of chemical evolution I don’t want a crown, a precious stone; I want the soil under my feet I want the sunrise in my muscles I want to be human once again. How much more waiting, silence? Many skies under the painted sky The sea within the sea, the river within the river Something else within the human being. Continuous skyfall like snowfall Bloodfall instead of waterfall Instead of a heartbeat, gunpowder beats There is no water in the clouds, but blood The number of murders is a sign of arrogance Know that religion does not die, people die.
May every passing day of my people be a celebration. May its people live in health and peace. May every heart smile with happiness. Let Uzbekistan keep singing the melody of peace.
Be children who burn with love for your homeland. So many opportunities have been created for you. Build a strong foundation for the future. Today, Uzbekistan has placed its trust in you.
Read books, seek knowledge, do not wander aimlessly. In deserts and steppes, create gardens and orchards. Design projects and programs, do not stay silent. Uzbekistan will support you materially.
Many banks open their doors for the youth. Your leader’s decisions are your shield. Show your strength in knowledge and intellect. Uzbekistan supports you in every field.
Songs and melodies suit a peaceful land. Its children grow up cheerful and joyful. Other nations look with admiration. May no evil eye touch your peace, Uzbekistan.
Fergana State University Agrarian Joint Faculty Student of group 25.64: Orzigul Ibragimova
