“RAQAMLI BANK TIZIMLARIDA BULUTLI HISOBLASH INTEGRATSIYASINING NAZARIY ASOSLARINI OʻRGANISH: INNOVATSIYALAR VA SAMARADORLIK UCHUN STRATEGIK ASOS”. 2024. Journal of Academic Research and Trends in Educational Sciences, May, 27-35. https://ijournal.uz/index.php/jartes/article/view/961.