TY JOUR TI Implementation of open API in the financial sector: prospects and challenges of the Russian banking system KW Open APIs KW banking sector KW digitalization KW financial technologies KW Bank of Russia KW data security KW technology KW Russian economy KW international practice JO Theoretical economics AU Omarova, Z.K. AU Shulikova, M.D. PY 2025 IS 0 PB Yaroslavl State Technical University