RAQAMLI BANK TIZIMLARIDA BULUTLI HISOBLASH INTEGRATSIYASINING NAZARIY ASOSLARINI OʻRGANISH: INNOVATSIYALAR VA SAMARADORLIK UCHUN STRATEGIK ASOS. JARTES. Published online May 25, 2024:27-35. Accessed April 26, 2025. https://ijournal.uz/index.php/jartes/article/view/961