JEL Classification: G33, K22, M21, H32. DOI: https://doi.org/10.31521/modecon.V58(2026)-19 Kneysler Olga, Doctor of Economic Sciences, Professor, Head of the Department of financial technologies and banking business, Western Ukrainian National University, Ternopil, Ukraine ORCID: 0009-0004-1521-923X e-mail: olgakne@gmail.com Kostetskyі Volodymyr, Candidate of Economic Sciences, Associate Professor, Associate Professor of the Department of financial technologies and banking business, WesternRead more







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