“Bank Xodimlarining Malakaviy Kompetentsiyalarini Bankning Moliyaviy ko‘rsatkichlariga ta’sirini Baholash yo‘llari”. Journal of Science-Innovative Research in Uzbekistan, vol. 2, no. 10, Oct. 2024, pp. 464-75, https://universalpublishings.com/index.php/jsiru/article/view/7603.