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”.

Atlantis

Grant her the trident 

with which to conjure up the sunken city,

the square and the compass

to calculate the diameters of the cerebral journey,

as her ark is bent on pursuing

the emerald of a charted symmetry.

Grant her the trident

with which to subdue the dragon

that had been long conceived

in the depth of her contaminated heritage,

as her crusade is bent on surmounting

the convolutions of a mental labyrinth.

Into the Abyss

It will take the seven oceans to cleanse the soiling of our souls,

to flush out the debris from our clogged pores,

to peel off the ugliness

that drapes our tarnished walls,

the soot, the mould.

There are no Charles Darneys in the real world,

a noble spirit that would sacrifice its life

to save a scapegoat’s,

that is plunging down into the abyss

once and for all.

A Visitation

In my world, there are no kings and queens,

hence the concept of monarchy is alien to me,

and this lack of interest

is not intended to manifest

any disrespect

for the royal sect.

In a dream, I descend a flight of ancient steps,

only to view a partly dilapidated wing

of a majestic building,

where I am told by a dark-skinned Usherer

I once had my own dwelling.

At the huge doorway, a young woman,

who wears a white, woolen hat

and a very beautiful shawl,

embraces me with tears of joy.  

The blueness of her eyes vies

with the azure of the skies.

In the morning, I start to wonder at the capacity of our dreams

to evoke people who have no presence in our reality,

but a year later a picture of the woman in her youth

appears on my timeline on Facebook.

I still ponder over what makes a monarch bid me goodbye

three days before she dies?

An Encounter II

I carry my dog five flights of stairs

four times a day,

and as I breathlessly mount the arduous steps

I say to Lucia “the sniper has not caught up with us yet,”

then I plant three kisses on her tiny, velvety head.

But don’t snipers prefer to maintain some distance

between themselves and their intended victims?

I resolve to ascertain this fact on the net

since this topic is still alien to my literary mindset!

Fragrance

Let me remind you that it’s the head that teems with scents,

not thy nostrils!

They only titillate its mucous for fleeting seconds,

or some lingering minutes,

but have a lasting impact upon your cerebral cells

for as long as you live.

Each scent has its own personal context

an emotional aura,

conjuring up the past

and whatever pertains to thy daily presence,  

a fragrant image

that brings to life all that is aesthetic

and hauntingly pleasant.

a planetary wrong turn

with no off-ramp to the Goldilocks zone

       *

the one-eyed dogcatcher told the boy about a little green farm

       *

he prefers the original artificial taste of Rocket Pops

       *

when translating ‘summer thunder’ was a cinch

       *

locust swarms on the I-80 corridor

the HOV lane transcends

       *

the urge to answer the unknown caller

       *

before Les Mots

I played Wipe Out

on the surface of the sun

       *

a seance of pewter rain falling

an inch at a time

       *

I rushed in to tell about the silver maple leaf

independently astir in the heat 

       *

pennies on the track

how I got to know the long faces of Lincoln

       *

he couldn’t hear the bell crickets

with the air conditioner on full blast

       *

breathing the same air as the bulked-up horsefly

The Footprints of Borges

In labyrinths of ink and knowledge,

a blind guide, illuminating being.

With words, he wove parallel worlds,

mirrors where we see our longings.

In every library, a universe,

on every page, a perverse dream.

Time is an eternally branching river,

and destiny, a garden without winter.

His footprints, shadows in the Aleph,

an echo in the garden of intersecting paths.

In every verse, an echo of his faith,

Borges lives, where reality blurs.

GRACIELA NOEMI VILLAVERDE is a writer and poet from Concepción del Uruguay (Entre Rios) Argentina, based in Buenos Aires She graduated in letters and is the author of seven books of poetry, awarded several times worldwide. She works as the World Manager of Educational and Social Projects of the Hispanic World Union of Writers and is the UHE World Honorary President of the same institution Activa de la Sade, Argentine Society of Writers. She is the Commissioner of Honor in the executive cabinet IN THE EDUCATIONAL AND SOCIAL RELATIONS DIVISION, of the UNACCC SOUTH AMERICA ARGENTINA CHAPTER.