DEVELOPMENT OF INNOVATIVE PRODUCTS IN THE BANKING SECTOR: ADAPTATION OF FINANCIAL SERVICES TO MARKET NEEDS THROUGH EFFECTIVE MANAGEMENT AND MARKETING. Journal of Academic Research and Trends in Educational Sciences, [S. l.], v. 3, n. 4, p. 104–109, 2024. Disponível em: https://ijournal.uz/index.php/jartes/article/view/1508. Acesso em: 21 nov. 2024.