@article{Shishkin2026analysis,
author={Shishkin, A.N. and Mel'chikovi, Z.L.},
title={Analysis of Factors and Threats Associated with the Development of Digital Transformation in the Banking Sector},
journal={Scientific Research and Development. Economics},
publisher={INFRA-M Academic Publishing LLC.},
year={2026},
pages={61-66},
volume={14},
issue={3},
}