Mirzabayeva Nargiza Khaitmuratovna. “AI-DRIVEN FINANCIAL SERVICES: TRANSFORMING BANK OPERATIONS AND CUSTOMER EXPERIENCE GLOBALLY”. Journal of Applied Science and Social Science, vol. 16, no. 02, Feb. 2026, pp. 232-9, https://www.internationaljournal.co.in/index.php/jasass/article/view/3195.