00571naa#a2200169#i#450# EN\\bibl\111863 20260114123719.3 2221-3260 20251231b2025####ek#y0engy0150####ca RU Implementation of open API in the financial sector: prospects and challenges of the Russian banking system Journal article Yaroslavl Yaroslavl State Technical University 2025 12 с. Journal article local Omarova Zarema Kurbanovna Shulikova Marina Dmitrievna chemintech.ru