@article{Bezpalov 2026challenges,,
author={Bezpalov , V.. and Korolev, A.A.},
title={Challenges, threats, and barriers in the process of digital technology adoption: regional and sectoral aspects},
journal={JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT},
publisher={ITBO University},
year={2026},
pages={243-250},
volume={0},
issue={5},
}