00515naa#a2200169#i#450# EN\\bibl\119592 20260525232801.1 2782-4586 20241231b2024####ek#y0engy0150####ca RU Directions of transformation of banking in modern conditions Journal article Moscow ITBO University 2024 4 с. Journal article local Банковское дело. Банки. 336.71 Karabaev Mars Farhatovich zhpi.ru