AKHMEDOVA , Dilrabo. SPECIFIC ASPECTS OF DIGITALIZING RETAIL LENDING PROCESSES IN COMMERCIAL BANKS. Innovation Science and Technology, [S. l.], v. 2, n. 2, 2026. DOI: 10.5281/zenodo.18744778. Disponível em: https://ist-journal.uz/index.php/IST/article/view/603. Acesso em: 2 may. 2026.