@article{Frik2026digital,
author={Frik, O.V.},
title={Digital security competencies as a factor in financial behavior of young students: an empirical assessment (using an agricultural university as an example)},
journal={JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT},
publisher={ITBO University},
year={2026},
pages={86-92},
volume={0},
issue={3},
}