TY JOUR TI The Impact of FinTech Technologies on the Structure and Functioning of the Russian Banking Sector KW FinTech KW banks KW digitization KW mobile payments KW online lending KW Open Banking KW artificial intelligence KW blockchain JO JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT AU Kembel', A.E. AU Serebryakova, T.A. PY 2025 IS 0 PB ITBO University