TY JOUR TI PROSPECTS FOR THE DEVELOPMENT OF TRADITIONAL AND CRYPTO ACCOUNTS IN RUSSIA AND THE ARAB COUNTRIES KW bank KW digital assets KW cryptocurrency KW savings KW savings accounts JO Scientific Bulletin: finance, banking, investment AU Vorob'eva, E.I. AU Zolotarev, A.I. PY 2025 IS 0 PB V.I. Vernadsky Crimean Federal University