In the context of the globalization of e-commerce, effective management of customer disputes (chargebacks) has become a critically important factor for the financial stability of merchants. This article presents a comprehensive analysis of pre-arbitration dispute resolution procedures in the leading international payment systems—Visa and Mastercard. The study examines in detail the dispute lifecycle, the roles of key participants, and the regulatory framework of the process. A comparative analysis is conducted of the structural and philosophical differences in the approaches of Visa (Visa Claims Resolution system) and Mastercard (Mastercom platform), highlighting their impact on merchant strategy. Based on an examination of operational regulations and practical case studies, four fundamental principles of successful pre-arbitration resolution are formulated: proactive prevention and data integrity, procedural expertise and time discipline, strategic evidence management, and economic rationality. The article will be useful for practitioners, legal professionals, and managers responsible for risk management and revenue protection in the field of e-commerce.

This article examines the impact of artificial intelligence (AI) technologies on Uzbekistan's labor market transformation in the context of implementing the national strategy "Digital Uzbekistan - 2030" and the Strategy for the Development of AI Technologies until 2030. Based on the analysis of statistical data, industry reviews, and regulatory legal documents, key mechanisms of AI's impact on employment structure were identified: automation of routine processes, formation of new professional profiles, and changes in requirements for employees' competencies. It is shown that in 2024-2025, the labor market of Uzbekistan is characterized by duality: on the one hand, there is an increasing demand for IT specialists and workers with digital skills; on the other hand, there is a structural shortage of qualified personnel and a gap between the education system and the needs of the economy. Recommendations for adapting employment policy to AI transformation conditions have been proposed.