MAMUTOVA , Aygul. ARTIFICIAL INTELLIGENCE AS A DRIVER OF BANKING SERVICES DEVELOPMENT: MODERN APPROACHES, OPPORTUNITIES, AND CHALLENGES. Innovation Science and Technology, Tashkent, Uzbekistan, v. 2, n. 6, p. 394–401, 2026. DOI: 10.5281/zenodo.21176429. Disponível em: https://ist-journal.uz/index.php/IST/article/view/1004. Acesso em: 7 oct. 2026.