Shaimerdenova, Guldana, Raikhan Sarkulakova, Madina Turganbekova, Bayan Tastanbekova, и Madina Baizhanova. «ADVANCEMENTS IN MOBILE AND ONLINE BANKING: A COMPREHENSIVE ANALYSIS OF TECHNOLOGIES AND INNOVATIONS». Physico-mathematical series, no. 3 (сентябрь 30, 2023): 193–209. просмотрено декабрь 4, 2024. https://journals.nauka-nanrk.kz/physics-mathematics/article/view/5453.