SATYMBEKOVA, K.; YESSENOVA , A.; KUANALIYEVA , G.; KERIMBEK , G. 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. Scientific Journal of Pedagogy and Economics, [S. l.], v. 409, n. 3, p. 431–445, 2024. DOI: 10.32014/2024.2518-1467.778. Disponível em: https://journals.nauka-nanrk.kz/bulletin-science/article/view/6624. Acesso em: 5 дек. 2025.