TRANSFORMATION OF BANKING OPERATIONS AND RISK MANAGEMENT IN THE CONTEXT OF DIGITALIZATION Authors L. Pavlenko https://orcid.org/0000-0002-4724-7567 O. Kryklii https://orcid.org/0000-0002-4825-3950 Н. Saltykova https://orcid.org/0000-0002-4614-8313 DOI: https://doi.org/10.32702/2307-2105.2025.10.82%20 Downloads pdf (Українська) Published 2025-10-16 Issue No. 10 (2025): Efektyvna ekonomika Section Статті