MAMADIYAROV , Zokir. Comparative Analysis of Digital Banking Adoption in Central Asia: Opportunities and Barriers. Excellencia: International Multi-disciplinary Journal of Education (2994-9521), [S. l.], v. 2, n. 8, p. 452–458, 2024. DOI: 10.5281/. Disponível em: https://multijournals.org/index.php/excellencia-imje/article/view/2056. Acesso em: 9 nov. 2025.