E-COMMERCE AND DIGITAL FINANCE AS KEY ELEMENTS OF THE NEW MODEL OF CONSUMPTION AND INVESTMENT . PST Journal [Интернет]. 13 ноябрь 2025 г. [цитируется по 12 август 2026 г.];1(7):16-22. доступно на: https://pstjournal.picllc.uz/index.php/pst/article/view/65