IMPACT OF RETAIL BANKING SERVICES ON THE EFFICIENCY OF COMMERCIAL BANKS. Journal of Academic Research and Trends in Educational Sciences, [S. l.], v. 3, n. 2, p. 343–349, 2024. Disponível em: https://www.ijournal.uz/index.php/jartes/article/view/1326. Acesso em: 1 may. 2025.