“O‘ZBEKISTONDA RAQAMLI BANK XIZMATLARINI RIVOJLANTIRISH ORQALI MOLIYAVIY INKLYUZIYANI OSHIRISH: MUAMMOLAR VA ISTIQBOLLAR” (2026) Scientific Journal of Actuarial Finance and Accounting, 6(10), pp. 35–44. doi:10.55439/AFA/vol6_iss10/1526.