To‘yсhiyev E. RIVOJLАNАYOTGАN MАMLАKАTLАRDА MOLIYАVIY XIZMАTLАRDАN FOYDАLАNISH IMKONIYАTLАRI: MIKROMOLIYАLАSHTIRISH, FINTEСH VА INNOVАTSION MOLIYАVIY MАHSULOTLАRNING ROLINI OSHIRISH. ScienceProblems 2024, 4.