«E-COMMERCE AND DIGITAL FINANCE AS KEY ELEMENTS OF THE NEW MODEL OF CONSUMPTION AND INVESTMENT », PST Journal, т. 1, вып. 7, сс. 16–22, ноя. 2025, просмотрено: авг. 12, 2026. доступно на: https://pstjournal.picllc.uz/index.php/pst/article/view/65