THE EVOLUTION OF DIGITAL BANKING SYSTEMS: CHALLENGES AND OPPORTUNITIES IN THE TRANSITION TO A CASHLESS SOCIETY. Journal of Academic Research and Trends in Educational Sciences, [S. l.], v. 3, n. 4, p. 293–301, 2024. Disponível em: https://ijournal.uz/index.php/jartes/article/view/1732. Acesso em: 25 apr. 2025.