TY  JOUR
TI  Digital transformation and human capital: new educational models
KW  digital transformation
KW  human capital
KW   artificial intelligence
KW  personalization of learning
KW  competencies of the future
JO  JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT
AU  Magomedov, M.A.
AU  Sultanova, E.A.
AU  Khambulatova, Z.R.
PY  2026
IS  0
PB  ITBO University