“O‘ZBEKISTONNING IQTISODIY TRANSFORMATSIYASIDA MOLIYAVIY EKOTIZIMLAR VA BANK INNOVATSIYALARI” (2026) Fan va texnologiyadagi innovatsiyalar, 3(11), pp. 439–450. Available at: https://innoist.uz/index.php/ist/article/view/1846 (Accessed: 12 November 2026).