00607naa#a2200181#i#450# EN\\bibl\97072 20260326024945.4 2500-3372 20260325b2026####ek#y0engy0150####ca RU Retail Savings Market During Digitalization Journal article Kemerovo Kemerovo State University 2026 13 с. Journal article local Денежное обращение. Банковское дело. Биржи. 336.7 El'kin Vladslav Marsovich Kalacheva Irina Vladimirovna jstrategizing.kemsu.ru