JEL Classification: C61; G18 DOI: https://doi.org/10.31521/modecon.V38(2023)-04 Svitlana Hanziuk, Ph. D. in Economics, Associate Professor, Associate Professor of the Department of Finance and Accounting, Dniprovsky State Technical University, Kamianske, Ukraine ORCID ID: 0000-0001-7859-4708 e-mail: svetlanaganzyuk@gmail.com Oleksandr Drai, Master of Finance and Accounting Department, Dniprovsky State Technical University, Kamianske, Ukraine ORCID ID: 0009-0003-6412-6147 e-mail: odrai777@gmail.com ThreatsRead more