O.O. KHUDAYAROV. IMPROVING THE DIGITAL TRANSFORMATION OF COMMERCIAL BANK BUSINESS MODELS: THEORY AND PRACTICE. Innovation Science and Technology, Tashkent, Uzbekistan, v. 2, n. 5, 2026. DOI: 10.5281/zenodo.20701275. Disponível em: https://www.ist-journal.uz/index.php/IST/article/view/933. Acesso em: 13 oct. 2026.