“RAQAMLI BANK TIZIMLARIDA BULUTLI HISOBLASH INTEGRATSIYASINING NAZARIY ASOSLARINI OʻRGANISH: INNOVATSIYALAR VA SAMARADORLIK UCHUN STRATEGIK ASOS”, JARTES, pp. 27–35, May 2024, Accessed: Apr. 26, 2025. [Online]. Available: https://ijournal.uz/index.php/jartes/article/view/961