00518naa#a2200169#i#450# EN\\bibl\93387 20250422143152.2 2782-1927 20250224b2025####ek#y0engy0150####ca ENG RU Methods for assessing digital maturity in banking during digital transformation Journal article Yaroslavl Yaroslavl State Technical University 2025 9 с. Journal article local Papusha Dmitriy Aleksandrovich jraic.com