00677naa#a2200181#i#450# EN\\bibl\103200 20250828232634.4 2312-5330 20250812b2025####ek#y0engy0150####ca RU DIGITAL FINANCIAL SERVICES IN A DIGITAL ECONOMY: TRENDS, CHALLENGES AND PROSPECTS Journal article Simferopol V.I. Vernadsky Crimean Federal University 2025 15 с. Journal article local Экономика. Народное хозяйство. Экономические науки. 33 Nesterenko Svetlana Anatol'evna Smirnova Elena Aleksandrovna cfuv.editorum.ru