“RAQAMLI BANK TIZIMLARIDA BULUTLI HISOBLASH INTEGRATSIYASINING NAZARIY ASOSLARINI OʻRGANISH: INNOVATSIYALAR VA SAMARADORLIK UCHUN STRATEGIK ASOS” (2024) Journal of Academic Research and Trends in Educational Sciences, pp. 27–35. Available at: https://www.ijournal.uz/index.php/jartes/article/view/961 (Accessed: 16 June 2025).