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KREDIT BOZORIDA RAQAMLI TEXNOLOGIYALARNI JORIY ETISH: YANGI O‘ZBEKISTON TAJRIBASI VA ISTIQBOLLARI . ITFTTDM. 2025;3(6):267-270. Accessed May 18, 2026. https://universalpublishings.com/index.php/itfttdm/article/view/12896