Banklarda raqamli texnologiyalardan foydalanishda yuzaga keladigan moliyaviy xatarlarni boshqarish usullarini takomillashtirish. JSIRU. 2025;3(7):104-110. Accessed October 21, 2026. https://www.universalpublishings.com/index.php/jsiru/article/view/13249