DIGITAL TRANSFORMATION AS AN INDISPENSABLE ELEMENT IN MAINTAINING THE COMPETITIVENESS OF BANKS. Innovations in Science and Technologies, [S. l.], v. 1, n. 7, p. 91–102, 2024. Disponível em: https://www.innoist.uz/index.php/ist/article/view/518. Acesso em: 3 may. 2025.