1. Bahronova, S. B. (2024). Iqtisodiy fanlarni o'qitishda raqamli va innovatsion texnolgiyalardan foydalanish. Indexing, 1(1)

2. Lusardi, A., & Mitchell, O. S. (2007). Financial Literacy and Retirement Planning: New Evidence from the Rand American Life Panel. National Bureau of Economic Research. https://www.nber.org/papers/w13513

3. Tapscott, D. (1996). The Digital Economy: Promise and Peril in the Age of Networked Intelligence. McGraw-Hill.

4. OECD (2018). Financial Education in a Digital Age: OECD/INFE Policy Guidance. Organisation for Economic Co-operation and Development. https://www.oecd.org/finance/financial-education/financial-education-in-a-digital-age.htm

5. Iqtisodiy tadqiqotlar va islohotlar markazi (2023). Yoshlarning moliyaviy savodxonligi va iqtisodiy xulq-atvori: O‘zbekiston tajribasi. https://review.uz

6. O‘zbekiston Respublikasi Moliya vazirligi. (2022). Moliyaviy savodxonlik bo‘yicha onlayn platforma – Finlit.uz. https://finlit.uz

7. Markaziy bank (2021). Raqamli to‘lov tizimlari va aholi moliyaviy xabardorligi to‘g‘risida tahliliy ma’lumot. https://cbu.uz

8. Brynjolfsson va McAfee (2016) o‘zlarining “The Second Machine Age”

9. Ramey, J. (2021) “Digital Financial Literacy among University Students”.

10. Kempson, E., Collard, S. & Moore, N. (2006). “Measuring financial capability: An exploratory study”.

11. Bahronova, S. (2023). Moliyaviy xizmatlardan foydalanishda moliyaviy savodxonlikning ahamiyati. Приоритетные направления, современные тенденции и перспективы развития финансового рынка, 250-252.

12. O‘zbekiston Respublikasi Raqamli texnologiyalar vazirligi (2024). Raqamli O‘zbekiston–2030 strategiyasi rasmiy ma’lumotlari. https://mitc.uz

13. Bakhronova, S., & Bozorov, G. A. (2024). Digital technologies-the basis of the development of the innovative economy. Digital transformation and artificial intelligence, 2(6), 74-78.