TURDIEVA , Z. .; ABRAMOVA , M. .; A. DINETS , D. .; A. GUSEVA , I. .; PAVLOVNA PETUKHOVA , E. .; V. VARZIN , V. .; TASMAGANBETOV , A. .; BAIMUKASHEVA , Z. Digitalization of Commercial Banks in the Financial Market and the Introduction of Digital Mortgages to Increase Housing Affordability. Qubahan Academic Journal, [S. l.], v. 5, n. 4, p. 684–702, 2025. DOI: 10.48161/qaj.v5n4a2108. Disponível em: https://journal.qubahan.com/index.php/qaj/article/view/2108. Acesso em: 28 dec. 2025.