00498naa#a2200157#i#450# EN\\bibl\104395 20251206114945.6 2221-3260 20250717b2025####ek#y0engy0150####ca RU Insurtech as a strategic direction of insurance development in Russia Journal article Yaroslavl Yaroslavl State Technical University 2025 12 с. Journal article local Chernyak Lidiya Evgenievna theoreticaleconomy.ru