Fayziddinovic, Sayfiddinov Ilhom. “The Role of Payment and Payment Flows in Determining the Nature of the Payment Circuit”. EUROPEAN JOURNAL OF BUSINESS STARTUPS AND OPEN SOCIETY, vol. 4, no. 4, Apr. 2024, pp. 39-42, http://inovatus.es/index.php/ejbsos/article/view/2888.