Jumaniyazov Quvanchbek Amatjonovich. “‘O‘zmilliybank’ AJ Kreditga Layoqatlilik Darajasini Oshirishning Innovatsion yo‘nalishlari”. NAZARIY VA AMALIY FANLARDAGI USTUVOR ISLOHOTLAR VA ZAMONAVIY TA’LIMNING INNOVATSION YO’NALISHLARI, vol. 2, no. 10, Oct. 2025, pp. 132-5, https://innovativepublication.uz/index.php/NUZY/article/view/4187.