“PENSIYA TIZIMINI BOSHQARISHNI TAKOMILLASHTIRISH VA RAQAMLI SHAXSIY PENSIYA PROFILINI JORIY ETISH” (2026) Innovations in Science and Technologies, 3(9), pp. 694–704. Available at: https://innoist.uz/index.php/ist/article/view/1771 (Accessed: 22 October 2026).