POTYAGOVA, V. S. The Impact of Digital Transformation on the Economic Efficiency of Sberbank. Novelty. Experiment. Traditions, [S. l.], v. 7, n. velty, p. 72–76, 2021. Disponível em: https://ojs.owebs.ru/nxtjournal/article/view/27079. Acesso em: 8 nov. 2026.