JEL Classification: F13; F17; M31; O24; P46. DOI: https://doi.org/10.31521/modecon.V33(2022)-16 Torianyk Zhanna, Candidate of Economic Sciences, Associate Professor of Management, Business and Professional Communications Department, Karazin Banking Institute, V.N. Karazin Kharkiv National University, Kharkiv, Ukraine ORCID ID: 0000-0002-8853-7659 e-mail: zhanna.toryanik@karazin.ua Shevchenko Viktoriia, Candidate of Philological Sciences, Associate Professor of Management, Business and Professional Communications Department, KarazinRead more