Kholmirzaeva Aziza Jumanazar qizi, and Nurillaev Mukhammadkhan Isroilkhon. 2024. “The Evolution of Digital Payment Systems: The Rise of Digital Wallets and Cryptocurrencies and Their Impact on Traditional Banking”. American Journal of Public Diplomacy and International Studies (2993-2157) 2 (6):277-81. http://grnjournal.us/index.php/AJPDIS/article/view/5245.