TY CONF TI DIGITALIZATION AS A FACTOR OF ECONOMIC TRANSFORMATION KW digitalization of the economy KW marketplaces KW non-cash payments KW the "green" sector JO MANAGER OF THE YEAR – 2024 AU Zinoveva, I.S. AU Moskovskaya, V.S. PY 2024 PB FSBE Institution of Higher Education Voronezh State University of Forestry and Technologies named after G.F. Morozov