@article{El'kin2026retail,
author={El'kin, V.M. and Kalacheva, I.V.},
title={Retail Savings Market During Digitalization},
journal={Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences},
publisher={Kemerovo State University},
year={2026},
pages={141-154},
volume={11},
issue={1},
}