Topalova, Svitlana, and Zhanna Torianyk. “Data Analytics As a Necessary Component of Professional and Civic Competencies”. FINANCIAL AND CREDIT SYSTEMS: PROSPECTS FOR DEVELOPMENT 1, no. 16 (April 1, 2025): 184-194. Accessed February 3, 2026. https://periodicals.karazin.ua/fcs/article/view/26378.