EVALUATING CLOUD AND DISTRIBUTED SYSTEMS ADOPTION IN SMART BANKING: EVIDENCE FROM UZBEKISTAN. Academicia Globe: Inderscience Research , [S. l.], v. 6, n. 12, p. 6–15, 2025. DOI: 10.17605/. Disponível em: https://agir.academiascience.org/index.php/agir/article/view/1683. Acesso em: 31 jan. 2026.