Abduraхmonov Adxamjon Sultonboyevich. “PRACTICAL ANALYSIS OF VIRTUAL BANKING IN THE IOT PROCESS IN THE DIGITAL ECONOMY ERA”. Ethiopian International Journal of Multidisciplinary Research, vol. 13, no. 4, Apr. 2026, pp. 936-44, https://www.eijmr.org/index.php/eijmr/article/view/6089.