JEL Classification: G21; G28; O16; Q56 DOI: https://doi.org/10.31521/modecon.V58(2026)-29 Pakhnenko Olena, PhD (Economics), Associate Professor of the Department of Financial Technologies and Entrepreneurship, Sumy State University, Sumy, Ukraine ORCID: 0000-0002-4703-4078 e-mail: o.pakhnenko@biem.sumdu.edu.ua Zakharkina Liudmyla, PhD (Economics), Associate Professor of the Department of Financial Technologies and Entrepreneurship, Sumy State University, Sumy, Ukraine ORCID: 0000-0003-1002-130X e-mail: l.zakharkina@biem.sumdu.edu.ua NikonovaRead more







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