JEL Classification: O16; O30; G20 DOI: https://doi.org/10.31521/modecon.V39(2023)-20 Andrii Semenog, Ph.D. in Economics, Associate Professor, Associate Professor of Financial Technologies and Entrepreneurship Department, Sumy State University, Sumy, Ukraine ORCID ID: 0000-0003-3222-9574 e-mail: a.semenog@biem.sumdu.edu.ua Olena Pakhnenko, Ph.D. in Economics, Associate Professor, Associate Professor of Financial Technologies and Entrepreneurship Department, Sumy State University, Sumy, Ukraine ORCID ID: 0000-0002-4703-4078Read more