MOBIL ILOVA VA INTERNET-BANK ORQALI OMONAT JALB QILISHNIXORIJ TAJRIBASI ASOSIDA RIVOJLANTIRISH ISTIQBOLLARI. ITFTTDM. 2025;3(11):19-24. Accessed May 18, 2026. https://universalpublishings.com/index.php/itfttdm/article/view/14279