cometadata/datacite-titles-descriptions-related-identifiers huggingface dataset:
DOI: 10.15468/dl.9z8ry3
title: Occurrence Download

description: A dataset containing 2088241 species occurrences available in GBIF matching the query:
{
 "and" : [
 "BasisOfRecord is one of (Observation, Machine Observation, Human Observation, Occurrence evidence, Living Specimen, Specimen)",
 "Continent is North America",
 "Country is Canada",
 "GadmGid is CAN.2_1",
 "HasCoordinate is true",
 "HasGeospatialIssue is false",
 "OccurrenceStatus is Present",
 "PublishingOrg is one of (c98a8d0d-cab2-4506-8c0f-c91a5e4996b9, b542788f-0dc2-4a2b-b652-fceced449591, 296fe5cf-ae43-4212-8f77-293e807d0d5a, cc6110c7-f75c-47c8-8931-f7dd3f324777, 95f1c5d0-8996-11d9-a962-b8a03c50a862)"
 ]
}

 The dataset includes 2088241 records from 33 constituent datasets; see https://api.gbif.org/v1/occurrence/download/0083769-240506114902167/datasets/export for details.
 
Data from some individual datasets included in this download may be licensed under less restrictive terms.
DOI: 10.15468/dl.mmbwc2
title: Occurrence Download

description: A dataset containing 175 species occurrences available in GBIF matching the query:
{
 "and" : [
 "TaxonKey is Rubus elegans P.J.Müll.",
 "HasCoordinate is true",
 "HasGeospatialIssue is false"
 ]
}

 The dataset includes 175 records from 7 constituent datasets; see https://api.gbif.org/v1/occurrence/download/0290847-210914110416597/datasets/export for details.
 
Data from some individual datasets included in this download may be licensed under less restrictive terms.
DOI: 10.15468/dl.tyjkbr
title: Occurrence Download

description: A dataset containing 113 species occurrences available in GBIF matching the query:
{
 "and" : [
 "Geometry POLYGON((-73.74711 -15.04309,-70.27813 -15.04309,-70.27813 -11.44968,-73.74711 -11.44968,-73.74711 -15.04309))",
 "HasGeospatialIssue is false",
 "Issue is Geodetic datum assumed WGS84",
 "TaxonKey is Cavendishia bracteata (Ruiz & Pav. ex A.St.-Hil.) Hoerold"
 ]
}

 The dataset includes 113 records from 7 constituent datasets; see https://api.gbif.org/v1/occurrence/download/0083816-240506114902167/datasets/export for details.
 
Data from some individual datasets included in this download may be licensed under less restrictive terms.
DOI: 10.15468/dl.kw5cj4
title: Occurrence Download

description: A dataset containing 12202 species occurrences available in GBIF matching the query:
{
 "and" : [
 "TaxonKey is Dracocephalum ruyschiana L.",
 "HasCoordinate is true",
 "HasGeospatialIssue is false"
 ]
}

 The dataset includes 12202 records from 110 constituent datasets; see https://api.gbif.org/v1/occurrence/download/0259461-210914110416597/datasets/export for details.
 
Data from some individual datasets included in this download may be licensed under less restrictive terms.
DOI: 10.15468/dl.zctdnd
title: Occurrence Download

description: A dataset containing 78402 species occurrences available in GBIF matching the query:
{
 "and" : [
 "TaxonKey is one of (Caprimulgiformes)",
 "HasCoordinate is true",
 "HasGeospatialIssue is false",
 "Year is greater than or equal to 1980",
 "OccurrenceStatus is Present",
 {
 "not" : {
 "BasisOfRecord" : [
 "is one of (Fossil, Living Specimen)"
 ]
 }
 },
 "Geometry POLYGON((-150 30,-120 30,-120 60,-150 60,-150 30))"
 ]
}

 The dataset includes 78402 records from 30 constituent datasets; see https://api.gbif.org/v1/occurrence/download/0000411-251009101135966/datasets/export for details.
 
Data from some individual datasets included in this download may be licensed under less restrictive terms.
DOI: 10.5255/ukda-sn-9416-1
title: Harmonised Diabetes in the National Child Development Study, 1970 British Cohort Study, Next Steps and Millennium Cohort Study, 1965-2024
title: Harmonised Data in Five National Longitudinal Cohort Studies
title: NCDS; BCS70; LSYPE1; MCS

description: &lt;p&gt;The &lt;span style="font-style: italic;"&gt;Harmonised Data in Five National Longitudinal Cohort Studies&lt;/span&gt; project, supported by the Economic and Social Research Council (ESRC), brings together data from five British cohort studies: the &lt;span style="font-style: italic;"&gt;1946 National Survey of Health and Development (NSHD)&lt;/span&gt;, the &lt;span style="font-style: italic;"&gt;1958 National Child Development Survey&lt;/span&gt; &lt;span style="font-style: italic;"&gt;(NCDS)&lt;/span&gt;, the &lt;span style="font-style: italic;"&gt;1970 British Cohort Study (BCS70)&lt;/span&gt;, &lt;span style="font-style: italic;"&gt;Next Steps &lt;/span&gt;(formerly the &lt;span style="font-style: italic;"&gt;Longitudinal Study of Young People in England&lt;/span&gt;), and the &lt;span style="font-style: italic;"&gt;Millennium Cohort Study (MCS)&lt;/span&gt;. NCDS, BCS70, Next Steps, and MCS receive core funding from the ESRC and are hosted by the Centre for Longitudinal Studies at UCL. NSHD is funded by the Medical Research Council (MRC) and is hosted by the Unit for Lifelong Health and Ageing at UCL.&lt;/p&gt; &lt;p&gt;The Diabetes Harmonisation project aimed to document all self-reported measures related to diabetes in these five British cohort studies and produce harmonised indicators of self-reported diabetes through retrospective harmonisation. This harmonisation serves two primary purposes: improving the measurement of diabetes (as an outcome, predictor, or control variable) within cohort analyses, and facilitating cross-cohort research on diabetes using these rich datasets.&lt;br&gt;&lt;br&gt;Separate longitudinal datasets were created for each cohort, focusing on self-reported data with some information derived from doctors' reports and medical records. Biomarkers and linked health data were not included. Focus was given to measures that were administered to entire cohorts only and on the diabetes status of cohort members themselves (not their parents or children).&lt;br&gt;&lt;br&gt;Harmonised diabetes data for the &lt;span style="font-style: italic;"&gt;MRC National Survey of Health and Development&lt;/span&gt; are available under Special Licence from SN 9421.&lt;/p&gt;
DOI: 10.15468/dl.t4ehdf
title: Occurrence Download

description: A dataset containing 46087 species occurrences available in GBIF matching the query:
{
 "and" : [
 "TaxonKey is Psammodromus algirus",
 "HasCoordinate is true",
 "HasGeospatialIssue is false"
 ]
}

 The dataset includes 46087 records from 163 constituent datasets; see https://api.gbif.org/v1/occurrence/download/0001387-260208012135463/datasets/export for details.
 
Data from some individual datasets included in this download may be licensed under less restrictive terms.
DOI: 10.15468/dl.js8ejn
title: Occurrence Download

description: A dataset containing 16978 species occurrences available in GBIF matching the query:
{
 "TaxonKey" : [
 "is Pygoscelis antarcticus"
 ]
}

 The dataset includes 16978 records from 112 constituent datasets; see https://api.gbif.org/v1/occurrence/download/0001391-260208012135463/datasets/export for details.
 
Data from some individual datasets included in this download may be licensed under less restrictive terms.
DOI: 10.15468/dl.nfgerr
title: Occurrence Download

description: A dataset containing 14254 species occurrences available in GBIF matching the query:
{
 "and" : [
 "HasGeospatialIssue is false",
 "HasCoordinate is true",
 "OccurrenceStatus is Present",
 {
 "not" : {
 "BasisOfRecord" : [
 "is one of (Fossil, Living Specimen)"
 ]
 }
 },
 "TaxonKey is Sedum lanceolatum"
 ]
}

 The dataset includes 14254 records from 113 constituent datasets; see https://api.gbif.org/v1/occurrence/download/0001392-260208012135463/datasets/export for details.
 
Data from some individual datasets included in this download may be licensed under less restrictive terms.
DOI: 10.5281/zenodo.18526440
title: ПОЛИЭТИЛЕНТЕРЕФТАЛАТ ТОЛАЛАРИГА АНТИСТАТИК ПАРДОЗ БЕРИШ

description: Мастербач концентрати билан массада бўялган полиэтилентерефталат толаларига триамон асосида антистатик пардоз бериш имкониятлари ўрганилган. Икки ваннали бўяш ва аппретлаш усулида полиэфир матосининг солиштирма юзавий электрланиш қаршилигини  пасайтиришга эришилган.
DOI: 10.5281/zenodo.18526441
title: ПОЛИЭТИЛЕНТЕРЕФТАЛАТ ТОЛАЛАРИГА АНТИСТАТИК ПАРДОЗ БЕРИШ

description: Мастербач концентрати билан массада бўялган полиэтилентерефталат толаларига триамон асосида антистатик пардоз бериш имкониятлари ўрганилган. Икки ваннали бўяш ва аппретлаш усулида полиэфир матосининг солиштирма юзавий электрланиш қаршилигини  пасайтиришга эришилган.
DOI: 10.15468/dl.25k4gh
title: Occurrence Download

description: A dataset containing 575 species occurrences available in GBIF matching the query:
{
 "and" : [
 "HasGeospatialIssue is false",
 "HasCoordinate is true",
 "OccurrenceStatus is Present",
 {
 "not" : {
 "BasisOfRecord" : [
 "is one of (Fossil, Living Specimen)"
 ]
 }
 },
 "TaxonKey is Sedum monregalense"
 ]
}

 The dataset includes 575 records from 35 constituent datasets; see https://api.gbif.org/v1/occurrence/download/0001394-260208012135463/datasets/export for details.
 
Data from some individual datasets included in this download may be licensed under less restrictive terms.
DOI: 10.6084/m9.figshare.31289695
title: Navigating survivorship in low-resource settings: Lived experiences of Ghanaian women after breast cancer treatment.

description: <b>Background:</b><br>While breast cancer survival rates have improved globally, women in low-resource settings such as Ghana face unique challenges following active treatment. Despite a growing number of survivors, little is known about their lived experiences of post-treatment recovery.<b>Objective:</b><br>This study described the self-management strategies and psychosocial experiences of breast cancer survivors at Komfo Anokye Teaching Hospital (KATH), one of Ghana’s leading cancer centers.<b>Methods:</b><br>A descriptive phenomenological design guided by Husserlian philosophy was used. Twenty purposively selected women who had completed active breast cancer treatment at least three months prior participated in in-depth, semi-structured interviews. Data were collected in Twi, transcribed, translated, and analyzed using Colaizzi’s seven-step framework, ensuring analytical rigor and participant validation.<b>Results:</b><br>Three main themes emerged: (1) holistic self-management for post-treatment recovery, including intentional medication adherence, physical rehabilitation, and dietary changes; (2) psychosocial and emotional navigation marked by fear of recurrence, altered body image, and disrupted relational dynamics; and (3) resilience shaped by social support, spirituality, and adaptive coping strategies. Survivors drew strength from their families, faith, and cultural adaptations but lacked structured post-treatment care.<b>Conclusion:</b><br>Survivorship among Ghanaian women is influenced by personal agency, cultural norms, and the lack of formal support systems. These findings highlight the urgent need to develop culturally sensitive, resource-appropriate survivorship care models that address emotional, physical, and social aspects of recovery in low-resource settings.
DOI: 10.6084/m9.figshare.31289695.v1
title: Navigating survivorship in low-resource settings: Lived experiences of Ghanaian women after breast cancer treatment.

description: <b>Background:</b><br>While breast cancer survival rates have improved globally, women in low-resource settings such as Ghana face unique challenges following active treatment. Despite a growing number of survivors, little is known about their lived experiences of post-treatment recovery.<b>Objective:</b><br>This study described the self-management strategies and psychosocial experiences of breast cancer survivors at Komfo Anokye Teaching Hospital (KATH), one of Ghana’s leading cancer centers.<b>Methods:</b><br>A descriptive phenomenological design guided by Husserlian philosophy was used. Twenty purposively selected women who had completed active breast cancer treatment at least three months prior participated in in-depth, semi-structured interviews. Data were collected in Twi, transcribed, translated, and analyzed using Colaizzi’s seven-step framework, ensuring analytical rigor and participant validation.<b>Results:</b><br>Three main themes emerged: (1) holistic self-management for post-treatment recovery, including intentional medication adherence, physical rehabilitation, and dietary changes; (2) psychosocial and emotional navigation marked by fear of recurrence, altered body image, and disrupted relational dynamics; and (3) resilience shaped by social support, spirituality, and adaptive coping strategies. Survivors drew strength from their families, faith, and cultural adaptations but lacked structured post-treatment care.<b>Conclusion:</b><br>Survivorship among Ghanaian women is influenced by personal agency, cultural norms, and the lack of formal support systems. These findings highlight the urgent need to develop culturally sensitive, resource-appropriate survivorship care models that address emotional, physical, and social aspects of recovery in low-resource settings.
DOI: 10.5281/zenodo.18526445
title: data - Lung cancer treatment
DOI: 10.5281/zenodo.18526444
title: data - Lung cancer treatment
DOI: 10.5281/zenodo.18516528
title: UV–Vis (raw & processed) and impact strength datasets for epoxy coatings containing 6 wt.% TBCP and ZnO/MgO nanoparticles (0.5–3 wt.%)

description: This repository contains UV–Vis raw/processed datasets and impact strength tables supporting the manuscript on epoxy coatings containing 6 wt.% TBCP and ZnO/MgO nanoparticles (0.5–3 wt.%). The dataset includes neat epoxy (EP) baseline, processed optical parameters, impact raw calculations, and a data-processing protocol/README.
DOI: 10.5281/zenodo.18516529
title: UV–Vis (raw & processed) and impact strength datasets for epoxy coatings containing 6 wt.% TBCP and ZnO/MgO nanoparticles (0.5–3 wt.%)

description: This repository contains UV–Vis raw/processed datasets and impact strength tables supporting the manuscript on epoxy coatings containing 6 wt.% TBCP and ZnO/MgO nanoparticles (0.5–3 wt.%). The dataset includes neat epoxy (EP) baseline, processed optical parameters, impact raw calculations, and a data-processing protocol/README.
DOI: 10.5281/zenodo.18526463
title: mastacembelus_congicus_spades_02.fasta.gz
DOI: 10.5281/zenodo.18526464
title: mastacembelus_congicus_spades_02.fasta.gz
DOI: 10.15468/dl.uv7b8q
title: Occurrence Download

description: A dataset listing the 8 species recorded in GBIF matching the query:
{
 "and" : [
 "Continent is Europe",
 "CoordinateUncertaintyInMeters 0.0-100.0",
 "EstablishmentMeans is nativeReintroduced",
 "OccurrenceStatus is Present",
 "TaxonKey is Plantae"
 ]
}

 The dataset's 8 records were derived from 1 constituent datasets; see https://api.gbif.org/v1/occurrence/download/0001386-260208012135463/datasets/export for details.
 
Data from some individual datasets included in this download may be licensed under less restrictive terms.
DOI: 10.5281/zenodo.18526468
title: MUSTAQIL TA'LIM FAOLIYATIDA AKT ASOSIDAGI O'QITISH VOSITALARINING SAMARADORLIGI

description: Mazkur tadqiqot mustaqil ta’lim faoliyatida axborot-kommunikatsiya texnologiyalari (AKT) asosidagi o‘qitish vositalarining pedagogik samaradorligini aniqlashga bag‘ishlangan. Ishda mustaqil ta’lim tushunchasining pedagogik mohiyati, AKT asosidagi o‘qitish vositalarining didaktik imkoniyatlari hamda ularning ta’lim oluvchilarning bilish faolligi, o‘quv motivatsiyasi va refleksiv ko‘nikmalarini rivojlantirishdagi o‘rni ilmiy-nazariy jihatdan tahlil qilingan. Tadqiqot jarayonida AKT vositalarining samaradorligini baholashning kognitiv, motivatsion, faoliyatga oid va refleksiv mezonlari asoslab berilgan. Olingan natijalar AKT asosidagi o‘qitish vositalaridan tizimli va metodik jihatdan asoslangan holda foydalanish mustaqil ta’lim samaradorligini oshirishga xizmat qilishini ko‘rsatadi.
DOI: 10.5281/zenodo.18526467
title: MUSTAQIL TA'LIM FAOLIYATIDA AKT ASOSIDAGI O'QITISH VOSITALARINING SAMARADORLIGI

description: Mazkur tadqiqot mustaqil ta’lim faoliyatida axborot-kommunikatsiya texnologiyalari (AKT) asosidagi o‘qitish vositalarining pedagogik samaradorligini aniqlashga bag‘ishlangan. Ishda mustaqil ta’lim tushunchasining pedagogik mohiyati, AKT asosidagi o‘qitish vositalarining didaktik imkoniyatlari hamda ularning ta’lim oluvchilarning bilish faolligi, o‘quv motivatsiyasi va refleksiv ko‘nikmalarini rivojlantirishdagi o‘rni ilmiy-nazariy jihatdan tahlil qilingan. Tadqiqot jarayonida AKT vositalarining samaradorligini baholashning kognitiv, motivatsion, faoliyatga oid va refleksiv mezonlari asoslab berilgan. Olingan natijalar AKT asosidagi o‘qitish vositalaridan tizimli va metodik jihatdan asoslangan holda foydalanish mustaqil ta’lim samaradorligini oshirishga xizmat qilishini ko‘rsatadi.
DOI: 10.15468/dl.4q92z6
title: Occurrence Download

description: A dataset containing 2344 species occurrences available in GBIF matching the query:
{
 "and" : [
 "HasGeospatialIssue is false",
 "HasCoordinate is true",
 "OccurrenceStatus is Present",
 {
 "not" : {
 "BasisOfRecord" : [
 "is one of (Fossil, Living Specimen)"
 ]
 }
 },
 "TaxonKey is Sedum obtusatum"
 ]
}

 The dataset includes 2344 records from 58 constituent datasets; see https://api.gbif.org/v1/occurrence/download/0001396-260208012135463/datasets/export for details.
 
Data from some individual datasets included in this download may be licensed under less restrictive terms.
DOI: 10.15468/dl.rhfkyf
title: Occurrence Download

description: A dataset containing 789403 records in GBIF matching the query:

 SELECT gbifid, datasetkey, specieskey, kingdom, phylum, class, "order", family, genus, species, scientificname, decimallatitude, decimallongitude, eventdate, institutioncode, "year" AS obs_year, basisofrecord, coordinateuncertaintyinmeters, issue
 FROM occurrence
 WHERE
 decimallatitude IS NOT NULL
 AND decimallongitude IS NOT NULL
 AND NOT ARRAY_CONTAINS(issue, 'ZERO_COORDINATE')
 AND NOT ARRAY_CONTAINS(issue, 'COORDINATE_OUT_OF_RANGE')
 AND NOT ARRAY_CONTAINS(issue, 'COORDINATE_INVALID')
 AND NOT ARRAY_CONTAINS(issue, 'COUNTRY_COORDINATE_MISMATCH')
 AND "year" &gt;= 2015
 AND "year" &lt;= 2026
 AND coordinateuncertaintyinmeters IS NOT NULL
 AND coordinateuncertaintyinmeters &gt; 0
 AND coordinateuncertaintyinmeters &lt;= 200.0
 AND decimallatitude &gt;= 28.773895969281842
 AND decimallatitude &lt;= 33.06103686093294
 AND decimallongitude &gt;= -116.8884474107165
 AND decimallongitude &lt;= -108.26001776192012
 AND GBIF_Within('POLYGON ((-108.260018 28.773896, -108.260018 33.061037, -116.888447 33.061037, -116.888447 28.773896, -108.260018 28.773896))', decimallatitude, decimallongitude) = TRUE
 

 The dataset's 789403 records were derived from 136 constituent datasets; see https://api.gbif.org/v1/occurrence/download/0001390-260208012135463/datasets/export for details.
 
Data from some individual datasets included in this download may be licensed under less restrictive terms.
DOI: 10.5281/zenodo.18526479
title: SUN'IY INTELLEKT YORDAMIDA TALABALARNING INDIVIDUAL O'QITISH STRATEGIYALARINI ISHLAB CHIQISH

description:  Mazkur maqolada sun’iy intellekt texnologiyalaridan foydalangan holda talabalarning individual o‘qitish strategiyalarini ishlab chiqish masalalari tahlil qilinadi. Ta’lim jarayonida talabalarning bilim darajasi, o‘rganish tezligi, qiziqishlari va o‘zlashtirish uslublarini aniqlashda sun’iy intellekt asosidagi tizimlarning imkoniyatlari yoritib beriladi. Shuningdek, adaptiv o‘qitish modellari, ma’lumotlarni tahlil qilish va mashinaviy o‘rganish algoritmlarining ta’lim samaradorligini oshirishdagi o‘rni ko‘rsatib o‘tiladi. Tadqiqot natijalari sun’iy intellektga asoslangan individual yondashuv talabalarning motivatsiyasini oshirish, bilimlarni chuqurroq o‘zlashtirish va mustaqil ta’lim ko‘nikmalarini rivojlantirishga xizmat qilishini asoslab beradi.
DOI: 10.5281/zenodo.18526480
title: SUN'IY INTELLEKT YORDAMIDA TALABALARNING INDIVIDUAL O'QITISH STRATEGIYALARINI ISHLAB CHIQISH

description:  Mazkur maqolada sun’iy intellekt texnologiyalaridan foydalangan holda talabalarning individual o‘qitish strategiyalarini ishlab chiqish masalalari tahlil qilinadi. Ta’lim jarayonida talabalarning bilim darajasi, o‘rganish tezligi, qiziqishlari va o‘zlashtirish uslublarini aniqlashda sun’iy intellekt asosidagi tizimlarning imkoniyatlari yoritib beriladi. Shuningdek, adaptiv o‘qitish modellari, ma’lumotlarni tahlil qilish va mashinaviy o‘rganish algoritmlarining ta’lim samaradorligini oshirishdagi o‘rni ko‘rsatib o‘tiladi. Tadqiqot natijalari sun’iy intellektga asoslangan individual yondashuv talabalarning motivatsiyasini oshirish, bilimlarni chuqurroq o‘zlashtirish va mustaqil ta’lim ko‘nikmalarini rivojlantirishga xizmat qilishini asoslab beradi.
DOI: 10.15468/dl.ncgvuc
title: Occurrence Download

description: A dataset containing 899 species occurrences available in GBIF matching the query:
{
 "and" : [
 "HasGeospatialIssue is false",
 "HasCoordinate is true",
 "OccurrenceStatus is Present",
 {
 "not" : {
 "BasisOfRecord" : [
 "is one of (Fossil, Living Specimen)"
 ]
 }
 },
 "TaxonKey is Sedum oregonense"
 ]
}

 The dataset includes 899 records from 50 constituent datasets; see https://api.gbif.org/v1/occurrence/download/0001398-260208012135463/datasets/export for details.
 
Data from some individual datasets included in this download may be licensed under less restrictive terms.
DOI: 10.5281/zenodo.18526279
title: Yoga:  A Holistic Approach for Holistic Health

description: Yoga, a centuries-old practice rooted in Indian philosophy, is increasingly recognized worldwide for its holistic health benefits. This review explores scientific literature and clinical evidence highlighting how yoga supports physical, mental, emotional, and spiritual health, thus contributing to a holistic sense of well-being. The importance of Yoga in the present scenario is more significant than ever, especially considering the fast-paced, stressful modern lifestyle and increasing health issues worldwide.
DOI: 10.5281/zenodo.18526280
title: Yoga:  A Holistic Approach for Holistic Health

description: Yoga, a centuries-old practice rooted in Indian philosophy, is increasingly recognized worldwide for its holistic health benefits. This review explores scientific literature and clinical evidence highlighting how yoga supports physical, mental, emotional, and spiritual health, thus contributing to a holistic sense of well-being. The importance of Yoga in the present scenario is more significant than ever, especially considering the fast-paced, stressful modern lifestyle and increasing health issues worldwide.
DOI: 10.5281/zenodo.18526487
title: O'ZBEKISTONDA BANK XIZMATLARINING RAQAMLI TRANSFORMATSIYASI: KREDIT JARAYONLARINI BOSHQARISH SAMARADORLIGI VA REAL SEKTORNI MOLIYAVIY TA'MINLASH BARQARORLIGIGA TA'SIRI

description: Mazkur ilmiy maqolada O‘zbekiston bank tizimida raqamli transformatsiya jarayonlarining rivojlanish holati hamda uning kredit jarayonlarini boshqarish samaradorligi va real sektorni moliyaviy ta’minlash barqarorligiga ta’siri kompleks tahlil qilinadi. Tadqiqot doirasida raqamli bank xizmatlari, fintech texnologiyalar, masofaviy kreditlash, avtomatlashtirilgan skoring tizimlari va raqamli risk-menejment mexanizmlarining amaliy ahamiyati yoritilgan. Statistik va solishtirma tahlil natijalari raqamli transformatsiya kredit ajratish tezligini oshirishi, operatsion xarajatlarni kamaytirishi hamda kredit risklarini samarali boshqarishga xizmat qilishini ko‘rsatadi. Shuningdek, raqamli bank xizmatlarining real sektor subyektlarining moliyaviy barqarorligi va investitsion faolligini oshirishdagi roli asoslab berilgan. Olingan xulosalar bank tizimini modernizatsiya qilish va iqtisodiyotning real sektorini barqaror moliyalashtirishda muhim amaliy ahamiyatga ega.