%0 Journal Article %T DIGITAL FINANCIAL SERVICES IN A DIGITAL ECONOMY: TRENDS, CHALLENGES AND PROSPECTS %A Nesterenko, S.A. %A Smirnova, E.A. %K digital financial services, fintech, digital transformation, financial technologies, digital payments, financial services market. %J Scientific Bulletin: finance, banking, investment %D 2025 %N 0 %P 15 %I V.I. Vernadsky Crimean Federal University