Baranova , Valeriia, and Olha Viunyk. ā€œDevelopment of New Formats of Banking Activity in the Conditions of Digitalizationā€. FINANCIAL AND CREDIT SYSTEMS: PROSPECTS FOR DEVELOPMENT 2, no. 17 (June 30, 2025): 28-42. Accessed January 31, 2026. https://periodicals.karazin.ua/fcs/article/view/26982.