E-COMMERCE AND DIGITAL FINANCE AS KEY ELEMENTS OF THE NEW MODEL OF CONSUMPTION AND INVESTMENT . INTERNATIONAL SCIENTIFIC-ELECTRONIC JOURNAL “PIONEERING STUDIES AND THEORIES”, [S. l.], v. 1, n. 7, p. 16–22, 2025. Disponível em: https://pstjournal.uz/index.php/pst/article/view/65. Acesso em: 15 nov. 2025.