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, vol. 1, no. 10, pp. 27–55, Oct. 2026, Accessed: Oct. 28, 2026. [Online]. Available: https://innopublication.com/index.php/jetr/article/view/1313