%0 Journal Article %T Digital security competencies as a factor in financial behavior of young students: an empirical assessment (using an agricultural university as an example) %A Frik, O.V. %K Digital security, cyber risks, financial literacy, students, digitalization, phishing, two-factor authentication %J JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT %D 2026 %N 0 %P 6 %I ITBO University