“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 25, 2024): 27–35. Accessed April 26, 2025. https://ijournal.uz/index.php/jartes/article/view/961.