TY JOUR TI Measures to improve the efficiency of banking activities in the context of digital transformation: a process and economic approach KW digital transformation KW bank efficiency KW process approach KW banking economics KW transaction costs KW business processes KW ecosystems KW management JO Theoretical economics AU Sidorova, E.Y. AU Harazova, E.V. PY 2026 IS PB Yaroslavl State Technical University