Sadullaeva, Mokhinur. “STRATEGIC DIRECTIONS FOR INCREASING CAPITAL EFFICIENCY OF COMMERCIAL BANKS: DIGITALIZATION AND RISK MANAGEMENT INTEGRATION”. GREEN ECONOMY AND DEVELOPMENT 4, no. 3 (March 1, 2026). Accessed March 11, 2026. https://yashil-iqtisodiyot-taraqqiyot.uz/journal/index.php/GED/article/view/9513.