М. V. Sigova
International Banking Institute named after Anatoliy Sobchak; Moscow Institute of Physics and Technology (National Research University)
Russian Federation

Mariia V. Sigova, DSci, PhD in Economics, Professor, Rector; Director of the Phystech-School of High-Tech Busines

60 Nevskiy Ave., St. Petersburg 191023

I. K. Klioutchnikov
International Banking Institute named after Anatoliy Sobchak
Russian Federation

Igor K. Klioutchnikov, DSci, PhD in Economics, Professor, Professor of the Department of Banking Business and Innovative Financial Technologies

60 Nevskiy Ave., St. Petersburg 191023

I. A. Nikonova
International Banking Institute named after Anatoliy Sobchak
Russian Federation

Irina A. Nikonova, DSci, PhD in Economics, Professor, Professor of the Department of Economics and Finance of Enterprises

60 Nevskiy Ave., St. Petersburg 191023