Babenko , Maksym, Tetyana Novikova, Olena Khrystoforova, and Timur Malafieiev. “Management of Digital Business Transformation ”. FINANCIAL AND CREDIT SYSTEMS: PROSPECTS FOR DEVELOPMENT 1, no. 16 (April 1, 2025): 150-163. Accessed December 5, 2025. https://periodicals.karazin.ua/fcs/article/view/26377.