TY JOUR TI Evaluation of the Effectiveness of Implementing New Banking Products for Small and Medium-Sized Enterprises (SMEs) KW banking products KW small and medium-sized enterprises (SMEs) KW effectiveness evaluation KW risk management KW IDEF0 modeling KW net present value (NPV) KW digital transformation JO JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT AU Chebotaev, N.N. PY 2025 IS 0 PB ITBO University