Shukhrat Komilovich Roziboyev (2026) “MECHANISMS OF THE IMPACT OF FINTECH TECHNOLOGIES ON FINANCIAL EFFICIENCY IN COMMERCIAL BANKS”, Ethiopian International Journal of Multidisciplinary Research, 13(2), pp. 539–543. Available at: https://eijmr.org/index.php/eijmr/article/view/5068 (Accessed: 12 February 2026).