@article{Nesterenko2025digital,
author={Nesterenko, S.A. and Smirnova, E.A.},
title={DIGITAL FINANCIAL SERVICES IN A DIGITAL ECONOMY: TRENDS, CHALLENGES AND PROSPECTS},
journal={Scientific Bulletin: finance, banking, investment},
publisher={V.I. Vernadsky Crimean Federal University},
year={2025},
pages={187-202},
volume={0},
issue={1},
}