SADYKHANOVA, D. A.; USHKEMPIROVA, G. Z. Innovations in banking. Инновaции в бaнковской сфере. Journal of Economic Research & Business Administration, [S. l.], v. 115, n. 3/2, 2016. Disponível em: https://be.kaznu.kz/index.php/math/article/view/1459. Acesso em: 3 apr. 2025.