TIJORAT BANKLARIDA INNOVATSION XIZMATLARNING MONETIZATSIYA SAMARADORLIGINI BAHOLASHNI TAKOMILLASHTIRISH. Innovations in Science and Technologies, [S. l.], v. 3, n. 9, p. 253–260, 2026. Disponível em: https://innoist.uz/index.php/ist/article/view/1743. Acesso em: 22 oct. 2026.