ESHQORAYEV , JAVOHIR. “GLOBAL FINANCIAL TECHNOLOGIES (FINTECH) AND THEIR TRANSFORMATIONAL IMPACT ON THE BANKING SYSTEM”. SAMARALI TA’LIM VA BARQAROR INNOVATSIYALAR JURNALI, vol. 3, no. 10, Nov. 2025, pp. 688-91, https://innovativepublication.uz/index.php/jelsi/article/view/4431.