TIJORAT BANKLARINING LIKVIDLIGINI OSHIRISHDA INNOVATSION TEXNOLOGIYALARDAN FOYDALANISH SAMARADORLIGINI TAKOMILLASHTIRISH MASALALARI XUSUSIDA. scientific. 2026;87(4):60-67. Accessed February 28, 2026. https://journalss.org/index.php/obr/article/view/19418