Urozova Nigora Toshmurodovna,Kuralbayeva Nursulu Kuatbekovna, Oralboyeva Ruxshona Vafoyevna. 2026. “EVALUATING THE EFFECTIVENESS OF AI-BASED FRAUD DETECTION IN DIGITAL BANKING: EVIDENCE FROM UZBEKISTAN (2020–2025)”. Ethiopian International Journal of Multidisciplinary Research 13 (4):1565-68. https://eijmr.org/index.php/eijmr/article/view/6249.