Оliy tа’lim tizimidа rаqаmli iqtisоdiyоtning аhаmiyаti: insоn kаpitаli, rаqаmli bоshqаruv vа mоliyаviy sаmаrаdоrlik (О‘zbеkistоn tаjribаsi). JoT [Internet]. 2025 Dec. 30 [cited 2026 Jul. 17];2(4):258-61. Available from: https://jot.tstu.uz/index.php/jot-journal/article/view/314