00544naa#a2200181#i#450# EN\\bibl\69410 20240704012127.4 2500-3372 20230811b2023####ek#y0engy0150####ca RU Modern Trends in Russian Fintech Journal article Kemerovo Kemerovo State University 2023 7 с. Journal article local Korobeynikova Ol'ga Mihaylovna Panova Panova Natalya Sergeevna Shemet Ekaterina Sergeevna vestnik-pses.kemsu.ru