00515naa#a2200169#i#450# EN\\bibl\119592 20260410025917.5 2782-4586 20260403b2026####ek#y0engy0150####ca RU Directions of transformation of banking in modern conditions Journal article Moscow ITBO University 2026 4 с. Journal article local Банковское дело. Банки. 336.71 Karabaev Mars Farhatovich zhpi.ru