Akhmedov Tokhirjon Khasanjon ugli. “ENHANCING THE COMPETITIVENESS OF COMMERCIAL BANKS UNDER CONDITIONS OF DIGITAL TRANSFORMATION”. Ethiopian International Journal of Multidisciplinary Research, vol. 13, no. 1, Jan. 2026, pp. 1047-9, https://www.eijmr.org/index.php/eijmr/article/view/4852.