AKT XIZMATLARI TIZIMIDA INNOVATSION YONDASHUVLAR VA ULARNING RAQOBATBARDOSHLIKKA TA’SIRI . ITFTTDM. 2026;4(4):505-509. Accessed May 18, 2026. https://universalpublishings.com/index.php/itfttdm/article/view/18156