TY JOUR TI DIGITIZATION AS A NECESSARY CONDITION FOR THE DEVELOPMENT OF FOREIGN ECONOMIC ACTIVITY OF THE REGIONS OF RUSSIA KW digitalization KW digital transformation KW digital payment systems KW international transfers KW international payments KW transactions KW foreign economic activity JO Scientific Bulletin: finance, banking, investment AU Shutaeva, E.A. AU Pobirchenko, V.V. PY 2024 IS 0 PB V.I. Vernadsky Crimean Federal University