Kraus , K.M. “INSTITUTIONAL CHANGES IN THE SOCIO-ECONOMIC LIFE OF SOCIETY ON THE BASIS OF DIGITAL INCLUSION AND SECURITY”. The actual problems of regional economy development 2, no. 21 (June 16, 2025): 236–249. Accessed December 5, 2025. https://journals.pnu.edu.ua/index.php/aprde/article/view/9320.