“РОЛЬ ЦИФРОВЫХ ТЕХНОЛОГИИ В МОДЕРНИЗАЦИИ БАНКОВСКОЙ СФЕРЫ”, MJST, vol. 5, no. 10, pp. 809–812, Oct. 2025, Accessed: May 19, 2026. [Online]. Available: https://www.mjstjournal.universalpublishings.com/index.php/mjst/article/view/5330