00595naa#a2200169#i#450# EN\\bibl\98364 20251105173239.3 2782-4586 20250228b2025####ek#y0engy0150####ca RU Opportunities and threats of decentralized financing development for traditional financial institutions Journal article Moscow ITBO University 2025 8 с. Journal article local Экономика. Народное хозяйство. Экономические науки. 33 Pogosyan A. A. zhpi.ru