“BANK XIZMATLARI TIZIMIDA INNOVASION YONDASHUVLAR VA ULARNING RAQOBATBARDOSHLIKKA TA’SIRI”, INNOIST, vol. 2, no. 8, pp. 132–139, Sep. 2025, Accessed: Oct. 01, 2025. [Online]. Available: https://innoist.uz/index.php/ist/article/view/1250