First Author:   Nurmukhammad Yusupov Solbridge International School of Business nyusupov@solbridge.ac.kr         Second Author: Muzaffarjon Ahunov Endicott College of International Studies mahunov@endicott.ac.kr         Third Author: Dilnovoz Abdurazzakova Westminster International University in Tashkent d.abdurazzakova@wiut.uz