“ENHANCING FINANCIAL INCLUSION THROUGH MOBILE BANKING SERVICES: THE CASE OF UZBEKISTAN” (2025) Yangi O’zbekistonda Tabiiy va Ijtimoiy-gumanitar fanlar respublika ilmiy amaliy konferensiyasi, 3(8), pp. 5–10. Available at: https://universalpublishings.com/index.php/gumanitar/article/view/13396 (Accessed: 18 May 2026).