Kirdasinova, K., Omarbekova, N., Tolysbaev, B., Utegenova, Z., & Ashimova, I. (2022). Digital transformation of banking services: development scenarios and management mechanisms . Eastern-European Journal of Enterprise Technologies, 6(13 (120), 107–113. https://doi.org/10.15587/1729-4061.2022.266542