Banklarda raqamli texnologiyalardan foydalanishda yuzaga keladigan moliyaviy xatarlarni boshqarish usullarini takomillashtirish. JSIRU. 2025;3(7):104-110. Accessed May 19, 2026. https://universalpublishings.com/~niverta1/index.php/jsiru/article/view/13249