@article{Magomedov2026digital,
author={Magomedov, M.A. and Sultanova, E.A. and Khambulatova, Z.R.},
title={Digital transformation and human capital: new educational models},
journal={JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT},
publisher={ITBO University},
year={2026},
pages={518-525},
volume={0},
issue={6},
}