Karomat Shakirovna Oktyabrova, Inomjon Qudratov, and Budhi Pamungkas Gautama. “Journal of Accounting, Management, Economics, and Business Digital Banking and Bank Performance”. European Journal of Economic Dynamics and Policy, vol. 2, no. 4, May 2026, pp. 193-04, https://nordascend.com/index.php/ejedp/article/view/40.