Banklarda raqamli texnologiyalardan foydalanishda yuzaga keladigan moliyaviy xatarlarni boshqarish usullarini takomillashtirish. JSIRU. 2025;3(7):104-110. Accessed May 18, 2026. https://universalpublishings.com/index.php/jsiru/article/view/13249