DIGITIZATION OF RETAIL BANKING SERVICES AND DEVELOPMENT OF ONLINE BANKING PRACTICES. Journal of Academic Research and Trends in Educational Sciences, [S. l.], v. 3, n. 2, p. 430–437, 2024. Disponível em: https://www.ijournal.uz/index.php/jartes/article/view/1433. Acesso em: 18 jul. 2025.