00516naa#a2200169#i#450# EN\\bibl\106448 20260107054511.3 2782-4586 20251117b2025####ek#y0engy0150####ca RU Open Banking in Retail: New Value Chains and Partnership Models Journal article Moscow ITBO University 2025 4 с. Journal article local Управление экономикой. 338.24 Lykov Nikita Sergeevich zhpi.ru