TY JOUR TI Systematization of evolutionary and technological aspects of transformations in the financial sector KW fintech KW digital finance KW digital finance KW digital transformation KW open banking KW API KW cloud services KW payment platforms KW BigTech KW ecosystems KW open data KW regulatory approaches KW financial stability KW digital platforms KW artificial intelligence KW DeFi KW digital identity KW tokenization JO Journal of Applied Research AU Salgiraev, Z.A. PY 2026 IS PB ITBO University