“TADBIRKORLIK FAOLIYATIDA RAQAMLI TEXNOLOGIYALARNI JORIY ETISH ORQALI KICHIK BIZNES SAMARADORLIGINI OSHIRISH YO‘NALISHLARI” (2026) Scientific Journal of Actuarial Finance and Accounting, 6(06), pp. 43–52. doi:10.55439/AFA/vol6_iss06/1428.