WAYS TO IMPROVE DIGITIZATION OF SERVICES AND TRANSFORMATION PROCESSES IN COMMERCIAL BANKS Journal title: International scientific journal Science and Innovation Authors: Jumayev Nodir Khosiyatovich, Shamsiyeva Yulduz Olimovna Subject(s): Archaeology, Arts and Literature, Biological Sciences, Chemistry, Computer and Information Science, Economics, Education, Humanities, Law, Linguistics, Mathematics, Medicine, Philosophy, Physics, Psychology, Social Sciences, Architecture, Agricultural Science