O‘ZBEKISTONDA RAQAMLI BANKLAR VA AN’ANAVIY BANKLAR RAQOBATI: MUAMMOLAR VA RIVOJLANISH ISTIQBOLLARI. SIAD. 2026;3(6):579-587. Accessed November 1, 2026. https://www.universalpublishings.com/index.php/siad/article/view/19500