“KICHIK BIZNESNI ISLOMIY MOLIYALASHTIRISHDA RAQAMLI TEXNOLOGIYALARDAN FOYDALANISHNING XALQARO TAJRIBASI (MALAYZIYA VA O’ZBEKISTON MISOLIDA) ”, ITFTTDM, vol. 4, no. 9, pp. 107–110, Sep. 2026, Accessed: Oct. 04, 2026. [Online]. Available: https://universalpublishings.com/index.php/itfttdm/article/view/20670