Baranova , Valeriia, Larysa Ivanchenkova, Anastasiia Mostova, Nataliia Lagodiienko, and Serhii Holubkin. “Conditions and Determinants of Digital Transformation of Financial Services Market Participants”. FINANCIAL AND CREDIT SYSTEMS: PROSPECTS FOR DEVELOPMENT 3, no. 18 (September 30, 2025): 45-62. Accessed February 3, 2026. https://periodicals.karazin.ua/fcs/article/view/27537.