%0 Journal Article
%T Digital transformation and human capital: new educational models
%A Magomedov, M.A.
%A Sultanova, E.A.
%A Khambulatova, Z.R.
%K digital transformation, human capital,  artificial intelligence, personalization of learning, competencies of the future
%J JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT
%D 2026
%N 0
%P 7
%I ITBO University