UBAYDULLAYEVA, Maftunakhon Akmalxon qizi. BEHAVIORAL FACTORS OF CUSTOMERS AS A TOOL FOR RISK MANAGEMENT IN THE USE OF BANK CARDS. Innovation Science and Technology, Tashkent, Uzbekistan, v. 2, n. 9, p. 480–485, 2026. DOI: 10.5281/zenodo.23051972. Disponível em: https://www.ist-journal.uz/index.php/IST/article/view/1234. Acesso em: 15 oct. 2026.