Khasanova Khamida Khaydaraliyevna (2026) “MODERN TRENDS IN INCREASING THE EFFICIENCY OF BANKING SERVICES IN THE CONTEXT OF ECONOMIC TRANSFORMATION”, International Multidisciplinary Journal for Research & Development, 13(03), pp. 576–582. Available at: https://www.ijmrd.in/index.php/imjrd/article/view/5367 (Accessed: 16 April 2026).