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: 24 jul. 2026.