Muxammadiyev Kamoliddin G'ulomiddinovich, Safarov Mexruz Zafar o‘g‘li. BANKS AND FINANCIAL SYSTEMS: OPPORTUNITIES AND CHALLENGES IN THE ERA OF DIGITAL TRANSFORMATION. obraz. 2025;61(2):238-247. Accessed June 17, 2025. https://scientific-jl.org/obr/article/view/9602