{"id":"https://openalex.org/W7125578077","doi":"https://doi.org/10.54220/finis.1991-0525.2025.88.3.002","title":"\u0412\u041e\u041f\u0420\u041e\u0421\u042b \u0421\u041e\u0412\u0415\u0420\u0428\u0415\u041d\u0421\u0422\u0412\u041e\u0412\u0410\u041d\u0418\u042f \u041c\u0415\u0422\u041e\u0414\u0418\u041a\u0418 \u041e\u0426\u0415\u041d\u041a\u0418 \u0423\u0420\u041e\u0412\u041d\u042f \u0426\u0418\u0424\u0420\u041e\u0412\u041e\u0419 \u0424\u0418\u041d\u0410\u041d\u0421\u041e\u0412\u041e\u0419 \u0413\u0420\u0410\u041c\u041e\u0422\u041d\u041e\u0421\u0422\u0418 \u041d\u0410\u0421\u0415\u041b\u0415\u041d\u0418\u042f","display_name":"\u0412\u041e\u041f\u0420\u041e\u0421\u042b \u0421\u041e\u0412\u0415\u0420\u0428\u0415\u041d\u0421\u0422\u0412\u041e\u0412\u0410\u041d\u0418\u042f \u041c\u0415\u0422\u041e\u0414\u0418\u041a\u0418 \u041e\u0426\u0415\u041d\u041a\u0418 \u0423\u0420\u041e\u0412\u041d\u042f \u0426\u0418\u0424\u0420\u041e\u0412\u041e\u0419 \u0424\u0418\u041d\u0410\u041d\u0421\u041e\u0412\u041e\u0419 \u0413\u0420\u0410\u041c\u041e\u0422\u041d\u041e\u0421\u0422\u0418 \u041d\u0410\u0421\u0415\u041b\u0415\u041d\u0418\u042f","publication_year":2025,"publication_date":"2025-12-26","ids":{"openalex":"https://openalex.org/W7125578077","doi":"https://doi.org/10.54220/finis.1991-0525.2025.88.3.002"},"language":"ru","primary_location":{"id":"doi:10.54220/finis.1991-0525.2025.88.3.002","doi":"https://doi.org/10.54220/finis.1991-0525.2025.88.3.002","is_oa":true,"landing_page_url":"https://doi.org/10.54220/finis.1991-0525.2025.88.3.002","pdf_url":"https://doi.org/10.54220/finis.1991-0525.2025.88.3.002","source":{"id":"https://openalex.org/S4387278252","display_name":"\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f","issn_l":"1991-0525","issn":["1991-0525"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":["russia-white-list-3"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0418\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://doi.org/10.54220/finis.1991-0525.2025.88.3.002","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5075596882","display_name":"\u041c.\u0411. \u0421\u0442\u0440\u044e\u043a\u043e\u0432","orcid":"https://orcid.org/0000-0002-9515-3864","observed_orcids":["https://orcid.org/0000-0002-9515-3864"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"\u041c.\u0411. \u0421\u0442\u0440\u044e\u043a\u043e\u0432","raw_affiliation_strings":["\u0420\u0413\u042d\u0423 (\u0420\u0418\u041d\u0425)"],"raw_orcid":"https://orcid.org/0000-0002-9515-3864","affiliations":[{"raw_affiliation_string":"\u0420\u0413\u042d\u0423 (\u0420\u0418\u041d\u0425)","institution_ids":[]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5116598477","display_name":"\u0414.\u042e. \u0421\u0430\u0434\u0447\u0435\u043d\u043a\u043e\u0432\u0430","orcid":"https://orcid.org/0009-0000-8553-3540","observed_orcids":["https://orcid.org/0009-0000-8553-3540"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"\u0414.\u042e. \u0421\u0430\u0434\u0447\u0435\u043d\u043a\u043e\u0432\u0430","raw_affiliation_strings":["\u0420\u0413\u042d\u0423 (\u0420\u0418\u041d\u0425)"],"raw_orcid":"https://orcid.org/0009-0000-8553-3540","affiliations":[{"raw_affiliation_string":"\u0420\u0413\u042d\u0423 (\u0420\u0418\u041d\u0425)","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"26","issue":"3(88)","first_page":"21","last_page":"30"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.6898999810218811,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.6898999810218811,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.28519999980926514,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.007799999788403511,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-financial-literacy","display_name":"digital financial literacy","score":0.9929999709129333},{"id":"https://openalex.org/keywords/assessment-methods","display_name":"assessment methods","score":0.765999972820282},{"id":"https://openalex.org/keywords/standardised-tests","display_name":"standardised tests","score":0.8009999990463257},{"id":"https://openalex.org/keywords/financial-security","display_name":"financial security","score":0.6159999966621399},{"id":"https://openalex.org/keywords/digital-skills","display_name":"digital skills","score":0.753000020980835},{"id":"https://openalex.org/keywords/digital-transformation","display_name":"digital transformation","score":0.5910000205039978},{"id":"https://openalex.org/keywords/financial-education","display_name":"financial education","score":0.43700000643730164}],"concepts":[{"id":"https://openalex.org/C2779343474","wikidata":"https://www.wikidata.org/wiki/Q3109175","display_name":"Context (archaeology)","level":2,"score":0.5819000005722046},{"id":"https://openalex.org/C158154518","wikidata":"https://www.wikidata.org/wiki/Q7310970","display_name":"Relevance (law)","level":2,"score":0.5242000222206116},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.47760000824928284},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.44850000739097595},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.38449999690055847},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.3628999888896942},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.3531000018119812},{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.319599986076355},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.3151000142097473},{"id":"https://openalex.org/C195094911","wikidata":"https://www.wikidata.org/wiki/Q14167904","display_name":"Process management","level":1,"score":0.30970001220703125},{"id":"https://openalex.org/C126082660","wikidata":"https://www.wikidata.org/wiki/Q4252370","display_name":"Digital transformation","level":2,"score":0.30410000681877136},{"id":"https://openalex.org/C2992423588","wikidata":"https://www.wikidata.org/wiki/Q5449744","display_name":"Financial security","level":2,"score":0.29429998993873596},{"id":"https://openalex.org/C2777646416","wikidata":"https://www.wikidata.org/wiki/Q242069","display_name":"Digital literacy","level":2,"score":0.29330000281333923},{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.29100000858306885},{"id":"https://openalex.org/C56739046","wikidata":"https://www.wikidata.org/wiki/Q192060","display_name":"Knowledge management","level":1,"score":0.27399998903274536},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.2736000120639801},{"id":"https://openalex.org/C61797465","wikidata":"https://www.wikidata.org/wiki/Q1188986","display_name":"Term (time)","level":2,"score":0.2669000029563904}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.54220/finis.1991-0525.2025.88.3.002","doi":"https://doi.org/10.54220/finis.1991-0525.2025.88.3.002","is_oa":true,"landing_page_url":"https://doi.org/10.54220/finis.1991-0525.2025.88.3.002","pdf_url":"https://doi.org/10.54220/finis.1991-0525.2025.88.3.002","source":{"id":"https://openalex.org/S4387278252","display_name":"\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f","issn_l":"1991-0525","issn":["1991-0525"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":["russia-white-list-3"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0418\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f","raw_type":"journal-article"},{"id":"pmh:https://cyberleninka.ru/article/n/voprosy-sovershenstvovaniya-metodiki-otsenki-urovnya-tsifrovoy-finansovoy-gramotnosti-naseleniya","doi":null,"is_oa":true,"landing_page_url":"https://cyberleninka.ru/article/n/voprosy-sovershenstvovaniya-metodiki-otsenki-urovnya-tsifrovoy-finansovoy-gramotnosti-naseleniya","pdf_url":"https://cyberleninka.ru/article/n/voprosy-sovershenstvovaniya-metodiki-otsenki-urovnya-tsifrovoy-finansovoy-gramotnosti-naseleniya/pdf","source":{"id":"https://openalex.org/S4306401404","display_name":"CyberLeninK (CyberLeninka)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"text"}],"best_oa_location":{"id":"doi:10.54220/finis.1991-0525.2025.88.3.002","doi":"https://doi.org/10.54220/finis.1991-0525.2025.88.3.002","is_oa":true,"landing_page_url":"https://doi.org/10.54220/finis.1991-0525.2025.88.3.002","pdf_url":"https://doi.org/10.54220/finis.1991-0525.2025.88.3.002","source":{"id":"https://openalex.org/S4387278252","display_name":"\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f","issn_l":"1991-0525","issn":["1991-0525"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":["russia-white-list-3"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0418\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/4","display_name":"Quality education","score":0.5}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7125578077.pdf","grobid_xml":"https://content.openalex.org/works/W7125578077.grobid-xml"},"referenced_works_count":9,"referenced_works":["https://openalex.org/W3198819571","https://openalex.org/W4319789084","https://openalex.org/W4379660204","https://openalex.org/W4380342930","https://openalex.org/W4404043332","https://openalex.org/W4404519921","https://openalex.org/W4404785576","https://openalex.org/W4405017731","https://openalex.org/W4411245121"],"related_works":["https://openalex.org/W4404043332","https://openalex.org/W3166049109","https://openalex.org/W3170155989","https://openalex.org/W4392805073","https://openalex.org/W4406634895","https://openalex.org/W7124447833","https://openalex.org/W4405017731","https://openalex.org/W4400997891","https://openalex.org/W4319018349","https://openalex.org/W4402612754"],"abstract_inverted_index":{"\u0412\u0432\u0435\u0434\u0435\u043d\u0438\u0435.":[0],"\u0412":[1,57],"\u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445":[2],"\u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0439":[3,9,45,120,162],"\u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438":[4],"\u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0438":[5],"\u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435":[6],"\u0438":[7,20,47,55,63,74,97,115,130,138,147,156],"\u0440\u0430\u0437\u0432\u0438\u0442\u0438\u0435":[8],"\u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439":[10,17,121,163],"\u0433\u0440\u0430\u043c\u043e\u0442\u043d\u043e\u0441\u0442\u0438":[11,164],"(\u0426\u0424\u0413)":[12],"\u0441\u0442\u0430\u043d\u043e\u0432\u044f\u0442\u0441\u044f":[13],"\u0432\u0430\u0436\u043d\u044b\u043c":[14],"\u0444\u0430\u043a\u0442\u043e\u0440\u043e\u043c":[15],"\u043f\u043e\u0432\u044b\u0448\u0435\u043d\u0438\u044f":[16,161],"\u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u0438":[18],"\u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044f":[19],"\u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438":[21],"\u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f":[22],"\u0441\u043e\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u044b\u0445":[23],"\u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445":[24],"\u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u0432.":[25],"\u041d\u0435\u0441\u043c\u043e\u0442\u0440\u044f":[26],"\u043d\u0430":[27,50],"\u0440\u0430\u0441\u0442\u0443\u0449\u0443\u044e":[28],"\u0430\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u044c":[29],"\u0434\u0430\u043d\u043d\u043e\u0439":[30],"\u0442\u0435\u043c\u044b,":[31],"\u043e\u0442\u0441\u0443\u0442\u0441\u0442\u0432\u0443\u0435\u0442":[32],"\u0435\u0434\u0438\u043d\u0430\u044f":[33],"\u0434\u0435\u0444\u0438\u043d\u0438\u0446\u0438\u044f":[34],"\u0426\u0424\u0413,":[35,87],"\u0430":[36,67],"\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0435":[37],"\u043c\u0435\u0442\u043e\u0434\u0438\u043a\u0438":[38],"\u0435\u0450":[39],"\u043e\u0446\u0435\u043d\u043a\u0438":[40],"\u043d\u0435":[41],"\u0443\u0447\u0438\u0442\u044b\u0432\u0430\u044e\u0442":[42],"\u0434\u0438\u043d\u0430\u043c\u0438\u0447\u043d\u044b\u0439":[43],"\u0445\u0430\u0440\u0430\u043a\u0442\u0435\u0440":[44],"\u0441\u0440\u0435\u0434\u044b":[46],"\u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e":[48],"\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u044b":[49],"\u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0443":[51],"\u0442\u0435\u043e\u0440\u0435\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0445":[52,80],"\u0437\u043d\u0430\u043d\u0438\u0439.":[53],"\u041c\u0430\u0442\u0435\u0440\u0438\u0430\u043b\u044b":[54],"\u043c\u0435\u0442\u043e\u0434\u044b.":[56],"\u0440\u0430\u043c\u043a\u0430\u0445":[58],"\u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f":[59],"\u043f\u0440\u043e\u0432\u0435\u0434\u0450\u043d":[60],"\u0430\u043d\u0430\u043b\u0438\u0437":[61],"\u0440\u043e\u0441\u0441\u0438\u0439\u0441\u043a\u0438\u0445":[62],"\u0437\u0430\u0440\u0443\u0431\u0435\u0436\u043d\u044b\u0445":[64],"\u043d\u0430\u0443\u0447\u043d\u044b\u0445":[65,152],"\u0438\u0441\u0442\u043e\u0447\u043d\u0438\u043a\u043e\u0432,":[66],"\u0442\u0430\u043a\u0436\u0435":[68],"\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0445":[69],"\u043c\u0435\u0442\u043e\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u0445":[70],"\u043f\u043e\u0434\u0445\u043e\u0434\u043e\u0432":[71],"\u043a":[72],"\u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u0438\u044e":[73],"\u0438\u0437\u043c\u0435\u0440\u0435\u043d\u0438\u044e":[75],"\u0426\u0424\u0413.":[76,136],"\u041d\u0430":[77],"\u043e\u0441\u043d\u043e\u0432\u0435":[78],"\u043e\u0431\u043e\u0431\u0449\u0435\u043d\u0438\u044f":[79],"\u043f\u043e\u043b\u043e\u0436\u0435\u043d\u0438\u0439":[81],"\u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u0430\u043d\u0430":[82],"\u0430\u0432\u0442\u043e\u0440\u0441\u043a\u0430\u044f":[83],"\u043c\u0435\u0442\u043e\u0434\u0438\u043a\u0430":[84],"\u0434\u0438\u0430\u0433\u043d\u043e\u0441\u0442\u0438\u043a\u0438":[85,144],"\u0443\u0440\u043e\u0432\u043d\u044f":[86],"\u0440\u0435\u0430\u043b\u0438\u0437\u043e\u0432\u0430\u043d\u043d\u0430\u044f":[88],"\u0432":[89,119,151],"\u0444\u043e\u0440\u043c\u0435":[90],"\u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0433\u043e":[91],"\u0442\u0435\u0441\u0442\u0430,":[92],"\u043f\u043e\u0441\u0442\u0440\u043e\u0435\u043d\u043d\u043e\u0433\u043e":[93],"\u043f\u043e":[94],"\u043c\u043e\u0434\u0443\u043b\u044c\u043d\u043e\u043c\u0443":[95],"\u043f\u0440\u0438\u043d\u0446\u0438\u043f\u0443":[96],"\u0432\u043a\u043b\u044e\u0447\u0430\u044e\u0449\u0435\u0433\u043e":[98],"\u043f\u044f\u0442\u044c":[99],"\u0441\u043e\u0434\u0435\u0440\u0436\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0445":[100],"\u0431\u043b\u043e\u043a\u043e\u0432.":[101],"\u0420\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u044b":[102,104],"\u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f.":[103],"\u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u043a\u0438":[105],"\u043f\u043e\u043a\u0430\u0437\u044b\u0432\u0430\u044e\u0442,":[106],"\u0447\u0442\u043e":[107],"\u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u043d\u044b\u0439":[108],"\u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0430\u0440\u0438\u0439":[109],"\u043f\u043e\u0437\u0432\u043e\u043b\u044f\u0435\u0442":[110],"\u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u043e":[111],"\u043e\u0446\u0435\u043d\u0438\u0432\u0430\u0442\u044c":[112],"\u0437\u043d\u0430\u043d\u0438\u044f,":[113],"\u043d\u0430\u0432\u044b\u043a\u0438":[114],"\u043c\u043e\u0434\u0435\u043b\u0438":[116],"\u043f\u043e\u0432\u0435\u0434\u0435\u043d\u0438\u044f":[117],"\u0440\u0435\u0441\u043f\u043e\u043d\u0434\u0435\u043d\u0442\u043e\u0432":[118],"\u0441\u0440\u0435\u0434\u0435.":[122],"\u041c\u0435\u0442\u043e\u0434\u0438\u043a\u0430":[123],"\u0443\u0447\u0438\u0442\u044b\u0432\u0430\u0435\u0442":[124],"\u0441\u043e\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u044b\u0435":[125],"\u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438":[126],"\u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f":[127],"\u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445":[128,145],"\u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439":[129],"\u043c\u043e\u0436\u0435\u0442":[131,148],"\u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u044c\u0441\u044f":[132],"\u0434\u043b\u044f":[133],"\u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f":[134],"\u0438\u043d\u0434\u0435\u043a\u0441\u0430":[135],"\u041e\u0431\u0441\u0443\u0436\u0434\u0435\u043d\u0438\u0435":[137],"\u0437\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u0435.":[139],"\u041f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u043d\u044b\u0439":[140],"\u043f\u043e\u0434\u0445\u043e\u0434":[141],"\u0440\u0430\u0441\u0448\u0438\u0440\u044f\u0435\u0442":[142],"\u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438":[143],"\u043a\u043e\u043c\u043f\u0435\u0442\u0435\u043d\u0446\u0438\u0439":[146],"\u0431\u044b\u0442\u044c":[149],"\u043f\u0440\u0438\u043c\u0435\u043d\u0450\u043d":[150],"\u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u044f\u0445,":[153],"\u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0439":[154],"\u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0435":[155],"\u043f\u0440\u0438":[157],"\u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u043a\u0435":[158],"\u0446\u0435\u043b\u0435\u0432\u044b\u0445":[159],"\u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c":[160],"\u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044f.":[165],"Introduction.":[166],"In":[167],"the":[168,171,175,177,193,197,200,208,222,233,237,266,274,279,284,292,311,317,333,345,367,384,395],"context":[169],"of":[170,174,181,196,202,211,219,225,236,270,276,294,310,325,347,369,386,394],"digital":[172,182,238,334,348,371,391],"transformation":[173],"economy,":[176],"formation":[178],"and":[179,199,221,240,249,255,268,303,313,329,350,361,373,382],"development":[180,314,346,385],"financial":[183,194,205,335,392],"literacy":[184,393],"(CFG)":[185],"are":[186,241],"becoming":[187],"an":[188,356],"important":[189],"factor":[190],"in":[191,291,332,344,377,383],"improving":[192],"security":[195],"population":[198],"effectiveness":[201],"using":[203],"modern":[204],"instruments.":[206],"Despite":[207],"growing":[209],"relevance":[210],"this":[212],"topic,":[213],"there":[214],"is":[215],"no":[216],"single":[217],"definition":[218,267],"CFG,":[220],"existing":[223,262],"methods":[224],"its":[226],"assessment":[227,324],"do":[228],"not":[229],"take":[230],"into":[231,340],"account":[232,341],"dynamic":[234],"nature":[235],"environment":[239],"mainly":[242],"focused":[243],"on":[244,273,299],"testing":[245],"theoretical":[246,277],"knowledge.":[247],"Materials":[248],"Methods.":[250],"The":[251,337,363],"study":[252],"analyzes":[253],"Russian":[254],"foreign":[256],"scientific":[257,378],"sources,":[258],"as":[259,261],"well":[260],"methodological":[263],"approaches":[264],"to":[265,354,389],"measurement":[269],"CFG.":[271],"Based":[272],"generalization":[275],"provisions,":[278],"author's":[280],"methodology":[281,338],"for":[282,321],"diagnosing":[283,370],"CFG":[285,358],"level":[286],"has":[287],"been":[288],"developed,":[289],"implemented":[290],"form":[293,355],"a":[295,300,322],"standardized":[296],"test":[297],"based":[298],"modular":[301],"principle":[302],"comprising":[304],"five":[305],"substantive":[306],"blocks.":[307],"Results.":[308],"Results":[309],"research":[312],"show":[315],"that":[316],"proposed":[318,364],"toolkit":[319],"allows":[320],"comprehensive":[323],"respondents'":[326],"knowledge,":[327],"skills":[328],"behavioral":[330],"patterns":[331],"environment.":[336],"takes":[339],"current":[342],"trends":[343],"technologies":[349],"can":[351,374],"be":[352,375],"used":[353],"integral":[357],"index.":[359],"Discussions":[360],"Conclusions.":[362],"approach":[365],"expands":[366],"possibilities":[368],"competencies":[372],"applied":[376],"research,":[379],"educational":[380],"practice":[381],"targeted":[387],"programs":[388],"improve":[390],"population.":[396]},"counts_by_year":[],"updated_date":"2026-11-06T12:05:46.655746","created_date":"2026-01-25T00:00:00"}
