Xolbo‘tayeva Umida Baxtiyor qizi (2026) “BANKLARARO RAQOBAT: INNOVATSIYALAR VA XIZMAT KO‘RSATISH SIFATINING OSHISHI”, SAMARALI TA’LIM VA BARQAROR INNOVATSIYALAR JURNALI, 4(4), pp. 757–767. Available at: https://innovativepublication.uz/index.php/jelsi/article/view/5765 (Accessed: 13 June 2026).