Satymbekova, Katira, Aiman Yessenova, Guldana Kuanaliyeva, и Galymzhan Kerimbek. «THE MAIN CHALLENGES OF DIGITAL TRANSFORMATION IN FINANCIAL SERVICES AND SOLUTIONS TO OVERCOME THEM: THE MAIN CHALLENGES OF DIGITAL TRANSFORMATION IN FINANCIAL SERVICES AND SOLUTIONS TO OVERCOME THEM». Scientific Journal of Pedagogy and Economics 409, no. 3 (июнь 15, 2024): 431–445. просмотрено декабрь 5, 2025. https://journals.nauka-nanrk.kz/bulletin-science/article/view/6624.