Shirinova , Shokhsanam. “Digitalization of the Banking System: Digital Transformation of the Environment and Business Processes”. Economics and Innovative Technologies 10, no. 4 (August 30, 2022): 299–304. Accessed May 4, 2026. https://iqtisodiyot.tsue.uz/journal/index.php/iit/article/view/76.