TY  JOUR
TI  Analysis of Factors and Threats Associated with the Development of Digital Transformation in the Banking Sector
KW  financial system
KW  bank
KW  artificial intelligence
KW  digital transformation
KW  customer service
JO  Scientific Research and Development. Economics
AU  Shishkin, A.N.
AU  Mel'chikovi, Z.L.
PY  2026
IS  14
PB  INFRA-M Academic Publishing LLC.