JEL Classification: D81; E23; M11; O29; Q16 DOI: https://doi.org/10.31521/modecon.V42(2023)-16 Chornobay Larysa, PhD in Economics, Associate Professor, Associate Professor at the Department of Management and Public Administration Higher educational institution «Podillia State University», Kamianets-Podilskyi, Ukraine ORCID ID: 0000-0001-5122-1485 e-mail: chornobay431@gmail.com Mushenyk Iryna, PhD in Economics, Associate Professor, Associate Professor at Department of Information Technologies, Physical-Mathematical andRead more