Satymbekova, K., Yessenova , A., Kuanaliyeva , G., & Kerimbek , G. (2024). THE MAIN CHALLENGES OF DIGITAL TRANSFORMATION IN FINANCIAL SERVICES AND SOLUTIONS TO OVERCOME THEM: THE MAIN CHALLENGES OF DIGITAL TRANSFORMATION IN FINANCIAL SERVICES AND SOLUTIONS TO OVERCOME THEM. Научный журнал «Вестник НАН РК», 409(3), 431–445. https://doi.org/10.32014/2024.2518-1467.778