Utbasarov Oybek. ASSESSING THE IMPACT OF DIGITAL FINANCIAL TECHNOLOGIES ON THE FINANCIAL PERFORMANCE OF COMMERCIAL BANKS: THEORETICAL FOUNDATIONS, UZBEKISTAN’S EXPERIENCE, AND DIRECTIONS FOR IMPROVEMENT. JETR. 2026;1(10):27-55. Accessed October 28, 2026. https://innopublication.com/index.php/jetr/article/view/1313