Hassoon, Aqeel Raham. “THE IMPACT OF ELECTRONIC PAYMENT SYSTEMS ON ENHANCING THE COMPETITIVENESS OF GOVERNMENT INSTITUTIONS IN LIGHT OF DIGITAL TRANSFORMATION”. Kyzylorda Scholarly Review 3, no. 3 (September 1, 2026): 216–238. Accessed September 11, 2026. https://bulletin.ouk.kz/index.php/bulletin/article/view/89.