TIJORAT BANKLARINING LIKVIDLIGINI OSHIRISHDA INNOVATSION TEXNOLOGIYALARDAN FOYDALANISH SAMARADORLIGINI TAKOMILLASHTIRISH MASALALARI XUSUSIDA. ОБРАЗОВАНИЕ НАУКА И ИННОВАЦИОННЫЕ ИДЕИ В МИРЕ, [S. l.], v. 87, n. 4, p. 60–67, 2026. Disponível em: https://journalss.org/index.php/obr/article/view/19418. Acesso em: 28 feb. 2026.