TY JOUR TI Technologies and tools of digital business transformation KW digital transformation KW technologies KW business KW artificial intelligence KW big data KW Internet of Things KW cloud computing KW CRM systems KW ERP systems KW automation KW cybersecurity JO JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT AU Antonova, A.A. AU Stefanova, N.A. PY 2025 IS 0 PB ITBO University