“DEVELOPMENT OF INNOVATIVE PRODUCTS IN THE BANKING SECTOR: ADAPTATION OF FINANCIAL SERVICES TO MARKET NEEDS THROUGH EFFECTIVE MANAGEMENT AND MARKETING” (2024) Journal of Academic Research and Trends in Educational Sciences, 3(4), pp. 104–109. Available at: https://ijournal.uz/index.php/jartes/article/view/1508 (Accessed: 21 November 2024).