Дуламбаева, Р., and Жунусова A. “THE RELATIONSHIP BETWEEN SERVICE DEVELOPMENT AND ECONOMIC LIBERALIZATION (ON THE EXAMPLE OF BANKING SERVICES)”. Journal of Economic Research &Amp; Business Administration, vol. 124, no. 2, June 2018, pp. 65-74, https://be.kaznu.kz/index.php/math/article/view/1972.