TY - CPAPER AU - I. K. Klioutchnikov AU - A. I. Klioutchnikova TI - E-FINANCE: CHALLENGES AND SOLUTIONS T2 - 6th International Scientific Conference on Social Sciences and Arts SGEM 2019 PY - 2019 SP - 239 EP - 248 DO - 10.5593/sgemsocial2019V/1.1/S03.029 PB - STEF92 Technology ER -