%0 Journal Article %T Evaluation of the Effectiveness of Implementing New Banking Products for Small and Medium-Sized Enterprises (SMEs) %A Chebotaev, N.N. %K banking products, small and medium-sized enterprises (SMEs), effectiveness evaluation, risk management, IDEF0 modeling, net present value (NPV), digital transformation %J JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT %D 2025 %N 0 %P 12 %I ITBO University