00544naa#a2200157#i#450# EN\\bibl\119325 20260426101729.7 2782-4586 20260331b2026####ek#y0engy0150####ca RU Digital security competencies as a factor in financial behavior of young students: an empirical assessment (using an agricultural university as an example) Journal article Moscow ITBO University 2026 6 с. Journal article local Frik Ol'ga Vladimirovna jomeam.ru