00507naa#a2200169#i#450# EN\INFRA-M\bibl\94733 20260123103337.5 2587-9111 20250205b2025####ek#y0engy0150####ca RU Analysis of the Drivers of Digitalization in the Banking Sector Journal article Moscow INFRA-M Academic Publishing LLC. 2025 4 с. Journal article local Теория. 336.01 Shishkin Andrey N. zh-szf.ru