“INNOVATSION FAOLIYATNI MOLIYALASHTIRISH TUZILMASI VA INNOVATSION NATIJADORLIK: G‘ARBIY YEVROPA TAJRIBASI VA O‘ZBEKISTON UCHUN XULOSALAR” (2026) Scientific Journal of Actuarial Finance and Accounting, 6(10), pp. 100–115. doi:10.55439/AFA/vol6_iss10/1537.