UMAROVA, Malika. THEORETICAL FOUNDATIONS OF IMPLEMENTING DIGITAL TECHNOLOGIES IN THE TRANSFORMATION OF BANKS. Innovation Science and Technology, Tashkent, Uzbekistan, v. 1, n. 12, 2025. DOI: 10.5281/zenodo.18063205. Disponível em: https://www.ist-journal.uz/index.php/IST/article/view/461. Acesso em: 15 oct. 2026.