A. BERDIYEVA; M. GULBERDIYEVA; B. JUMANAZAROV; I. SARYYEV. FINANCIAL INCLUSION AND DIGITAL TRANSFORMATION. ОБРАЗОВАНИЕ И НАУКА В XXI ВЕКЕ, [S. l.], n. 60-3 (том 1), 2025. Disponível em: https://mpcareer-google.ru/index.php/journal/article/view/1312.. Acesso em: 31 jul. 2026.