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