Jo‘rayev , Og‘abek. 2024. “TECHNOLOGY AND INNOVATION IN FINANCIAL SERVICES: INVESTIGATE THE ADOPTION OF FINTECH SOLUTIONS AND THEIR IMPACT ON ACCESSIBILITY, EFFICIENCY, AND SECURITY IN UZBEKISTAN’S FINANCIAL MARKETS”. Journal of Science-Innovative Research in Uzbekistan 2 (5):796-801. https://universalpublishings.com/index.php/jsiru/article/view/6057.