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Adeyemo, K. A., Isiavwe, D., Adetula, D., Olamide, O., & Folashade, O. (2020). Mandatory adoption of the Central Bank of Nigeria’s cashless and e-payment policy: implications for bank customers. Banks and Bank Systems, 15(2), 243-253. https://doi.org/10.21511/bbs.15(2).2020.21 Barabashev, A., Makarov, I., & Zarochintcev, S. (2022). How to shape government policies on high-technology development using the indicative evaluation of risks? Administratie si Management Public, 38, 70-89. https://doi.org/10.24818/amp/2022.38-04 Bayram, M., & Akat, M. (2019). Market-Neutral Trading with Fuzzy Inference, a New Method for the Pairs Trading Strategy. Engineering Economics, 30(4), 411-421. https://doi.org/10.5755/j01.ee.30.4.14350 Bing, C., & Schectman, J. (2019). Inside the UAE’s secret hacking team of American mercenaries. Retrieved from: https://www.reuters.com/investigates/special-report/usa-spying-raven/ (31.01.2023). Bozhenko, V. (2022). Tackling corruption in the health sector. Health Economics and Management Review, 3(3), 32-39. https://doi.org/10.21272/hem.2022.3-03 Bozhenko, V. V., Lyeonov, S. V., Polishchuk, E. A., Boyko, A. O., & Artyukhova, N. O. (2022). Identification of determinants of corruption in government: a mar-spline approach. Naukovyi Visnyk Natsionalnoho Hirnychoho Universytetu, 6, 176-180. https://doi.org/10.33271/nvngu/2022-6/176 Bozhenko, V., Mynenko, S., & Shtefan, A. (2022b). Financial Fraud Detection on Social Networks Based on a Data Mining Approach. Financial Markets, Institutions and Risks, 6(4), 119-124. https://doi.org/10.21272/fmir.6(4).119-124.2022 Caballero-Morales, S.-O., Cordero Guridi, J. de J., Alvarez-Tamayo, R. I., & Cuautle-Gutiérrez, L. (2020). EDUCATION 4.0 to support entrepreneurship, social development and education in emerging economies. International Journal of Entrepreneurial Knowledge, 8(2), 89-100. https://doi.org/10.37335/ijek.v8i2.119 Chen, Y., Xu, S., Lyulyov, O., & Pimonenko, T. (2023). China’s digital economy development: incentives and challenges. Technological and Economic Development of Economy, 29(2), 518-538. https://doi.org/10.3846/tede.2022.18018 Ćwiklicki, M., & Wojnarowska, M. (2020). Circular Economy and Industry 4.0: One-Way or Two-way Relationships? Engineering Economics, 31(4), 387-397. https://doi.org/10.5755/j01.ee.31.4.24565 DavidPur, N. (2022). Which Countries are Most Dangerous? Cyber Attack Origin – by Country. Retrieved from: https://blog.cyberproof.com/blog/which-countries-are-most-dangerous (31.01.2023). Dečman, M., Stare, J., & Klun, M. (2022). The impact of the COVID-19 crisis on the development of the information society in Slovenia. Administratie si Management Public, 39, 77-96. https://doi.org/10.24818/amp/2022.39-05 Deutsche Welle (2022). Ukrainian websites hacked in 'global attack'. Retrieved from: https://www.dw.com/en/ukraine-government-websites-hacked-in-global-attack/a-60421475 (31.01.2023). Dluhopolskyi, O., Pakhnenko, O., Lyeonov, S., Semenog, A., Artyukhova, N., Cholewa-Wiktor, M., & Jastrzębski, W. (2023). Digital financial inclusion: COVID-19 impacts and opportunities. Sustainability (Switzerland), 15(3), 2383. https://doi.org/10.3390/su15032383 Economist Intelligence (2023). Democracy Index. Retrieved from: https://www.eiu.com/n/campaigns/democracy-index-2022/?utm_source=google&utm_medium=paid-search&utm_campaign=democracy-index-2022&gclid=CjwKCAjwgqejBhBAEiwAuWHioAEruOQA25JyHg-61MBEiYNJp9hvu3Pf91E_tWO2W0nauZ6on003ORoC6UsQAvD_BwE (31.01.2023). E-Governance Academy (2023). National Cyber Security Index. Retrieved from: https://ncsi.ega.ee/ncsi-index/ (31.01.2023). Fobel, P., & Kuzior, A. (2019). The future (Industry 4.0) is closer than we think. Will it also be ethical? Paper presented at the AIP Conference Proceedings, 2186. https://doi.org/10.1063/1.5137987 Glova, J., Bernatik, W., & Tulai, O. (2020). Determinant Effects of Political and Economic Factors on Country Risk: An Evidence from the EU Countries. Montenegrin Journal of Economics, 16(1), 37-53. https://doi.org/10.14254/1800-5845/2020.16-1.3 Gontareva, I., Babenko, V., Kuchmacz, B., & Arefiev, S. (2020). Valuation of information resources in the analysis of cybersecurity entrepreneurship. Estudios De Economia Aplicada, 38(4), https://doi.org/10.25115/EEA.V38I4.3984 Gupta, A., & Mishra, M. (2022). Ethical Concerns While Using Artificial Intelligence in Recruitment of Employees. Business Ethics and Leadership, 6(2), 6-11. https://doi.org/10.21272/bel.6(2).6-11.2022 Gurbanov, N., Yagublu, N., Akbarli, N., & Niftiyev, I. (2022). Digitalization and the Covid-19-led public crisis management: an evaluation of financial sustainability in the Azerbaijan business sector. SocioEconomic Challenges, 6(3), 23-38. https://doi.org/10.21272/sec.6(3).23-38.2022 Institute for Economics and Peace (2022). Global Terrorism Index 2022. Retrieved from: https://reliefweb.int/report/world/global-terrorism-index-2022 (31.01.2023). Kaspersky (2023). Cyberthreat real-time map. Retrieved from: https://cybermap.kaspersky.com/ (31.01.2023). Krebs, B. (2021). At Least 30,000 U.S. Organizations Newly Hacked Via Holes in Microsoft’s Email Software. Retrieved from: https://krebsonsecurity.com/2021/03/at-least-30000-u-s-organizations-newly-hacked-via-holes-in-microsofts-email-software/ (31.01.2023). Kumar, N., & Kumar, J. (2019). Efficiency 4.0 for Industry 4.0. Human Technology, 15(1), 55-78. https://doi.org/10.17011/ht/urn.201902201608 Kurniawati, E., Kohar, U.H.A., & Pirzada, K. (2022). Change or destroy: the digital transformation of Indonesian MSMES to achieve sustainable economy. Polish Journal of Management Studies, 26(2), 248-264. https://doi.org/10.17512/pjms.2022.26.2.15 Kuzior, A., & Kwilinski, A. (2022). Cognitive technologies and artificial intelligence in social perception. Management Systems in Production Engineering, 30(2), 109-115. https://doi.org/10.2478/mspe-2022-0014 Kuzmenko, O., Šuleř, P., Lyeonov, S., Judrupa, I., & Boiko, A. (2020). Data mining and bifurcation analysis of the risk of money laundering with the involvement of financial institutions. Journal of International Studies, 13(3), 332-339. https://doi.org/10.14254/2071-8330.2020/13-3/22 Lăzăroiu, G., Androniceanu, A., Grecu, I., Grecu, G., & Neguriță, O. (2022). Artificial intelligence-based decision-making algorithms, Internet of Things sensing networks, and sustain-able cyber-physical management systems in big data-driven cognitive manufacturing. Oeconomia Copernicana, 13(4), 1047-1080. https://doi.org/10.24136/oc.2022.030 Lucas, G. (2016). Ethics and Cyber Warfare: The Quest for Responsible Security in the Age of Digital Warfare. Oxford University Press. Lyulyov, O., Lyeonov, S., Tiutiunyk, I., & Podgórska, J. (2021). The impact of tax gap on macroeconomic stability: Assessment using panel VEC approach. Journal of International Studies, 14(1), 139-152. https://doi.org/10.14254/2071-8330.2021/14-1/10 Mačiulytė-Šniukienė, A., Butkus, M., & Davidavičienė, V. (2022). Development of the model to examine the impact of infrastructure on economic growth and convergence. Journal of Business Economics and Management, 23(3), 731-753. https://doi.org/10.3846/jbem.2022.17140 Melnyk, L., Derykolenko, O., Kubatko, O., & Matsenko, O. (2019). Business models of reproduction cycles for digital economy. Paper presented at the CEUR Workshop Proceedings, 2393, 269-276. Retrieved from https://www.scopus.com/record/display.uri?eid=2-s2.0-85069504652&origin=resultslist Melnyk, L., Kubatko, O., Piven, V., Klymenko, K., & Rybina, L. (2021). Digital and economic transformations for sustainable development promotion: A case of OECD countries. Environmental Economics, 12(1), 140-148. https://doi.org/10.21511/EE.12(1).2021.12 Millia, H., Adam, P, Muhatlib, A. A., & Tajuddin and Pasrun, Y. P. (2022). The Effect of Inward Foreign Direct Investment and Information and Communication Technology on Economic Growth in Indonesia. AGRIS on-line Papers in Economics and Informatics, 14(1), 69-79. https://doi.org/10.7160/aol.2022.140106 Mnohoghitnei, I., Horobeț, A., & Belașcu, L. (2022). Bitcoin is so Last Decade-How Decentralized Finance (DeFi) could Shape the Digital Economy. European Journal of Interdisciplinary Studies, 14(1), 87-99. https://doi.org/10.24818/ejis.2022.01 Numbeo (2023). Crime Index by Country 2022. Retrieved from: https://www.numbeo.com/crime/rankings_by_country.jsp?title=2022 (31.01.2023). Orlov, V., Bukhtiarova, A., Marczuk, M., & Heyenko, M. (2021). International economic and social determinants of the state economic security: A causal analysis. Problems and Perspectives in Management, 19(4), 301-310. https://doi.org/10.21511/ppm.19(4).2021.24 Pakhnenko, O., & Kuan, Z. (2023). Ethics of Digital Innovation in Public Administration. Business Ethics and Leadership, 7(1), 113-121. https://doi.org/10.21272/bel.7(1).113-121.2023 Pakhnenko, O., Rubanov, P., Girzheva, O., Ivashko, L., Britchenko, I., & Kozachenko, L. (2022). Cryptocurrency: Value formation factors and investment risks. Journal of Information Technology Management, 14, 179-200. https://doi.org/10.22059/JITM.2022.88896 Perlroth, N., Scott, M, & Frenkel, S. (2017). Cyberattack Hits Ukraine Then Spreads Internationally. Retrieved from: https://www.nytimes.com/2017/06/27/technology/ransomware-hackers.html (31.01.2023). Remeikienė, R., Ligita, G., Fedajev, A., Raistenskis, E., & Krivins, A. (2022). Links between crime and economic development: EU classification. Equilibrium. Quarterly Journal of Economics and Economic Policy, 17(4), 909-938. https://doi.org/10.24136/eq.2022.031 Rousseeuw, P.J. (1987). Silhouettes: a Graphical Aid to the Interpretation and Validation of Cluster Analysis. Computational and Applied Mathematics, 20, 53-65. https://doi.org/10.1016/0377-0427(87)90125-7 Safarov, G., Sadiqova, S., Urazayeva, M., & Abbasova, N (2022). Theoretical and Methodological Aspects of Innovative-Industrial Cluster Development in the Era of Digitalization. Marketing and Management of Innovations, 4, 184-197. https://doi.org/10.21272/mmi.2022.4-17 Șavga, L. (2019). Implementing the Smart Specialization Concept in the Republic of Moldova: Challenges and Initiatives. Journal of Research on Trade, Management and Economic Development, 6(2), 6-17. Şavga, L., & Baran, T. (2022). Boosting the process of smart specialization in the Republic of Moldova. Paper presented in Contemporary Issues in Economy and Technology (pp. 187-196). Shao, X., Wang, D., Li, X., & Shao, H. (2022). Impact of Internet technology on spatial technology heterogeneity: openness or convergence - evidence from provincial data in China. Transformations in Business & Economics, 21(2), 193-213. Shkolnyk, I., Frolov, S., Orlov, V., Datsenko, V., & Kozmenko, Y. (2022). The impact of financial digitalization on ensuring the economic security of a country at war: New measurement vectors. Investment Management and Financial Innovations, 19(3), 119-138. https://doi.org/10.21511/imfi.19(3).2022.11 Smith, E.T. (2013). Cyber warfare: a misrepresentation of the true cyber threat. American Intelligence Journal, 31(1), 82-85. Sobczak, A. (2022). Analysis of the Conditions Influencing the Assimilation of the Robotic Process Automation by Enterprises. Human Technology, 18(2), 143-190. doi: 10.14254/1795-6889.2022.18-2.4 Statista (2023). Most commonly reported cyber crime categories worldwide in 2022, by number of individuals affected. Retrieved from: https://www.statista.com/statistics/184083/commonly-reported-types-of-cyber-crime-global/ (31.01.2023). Stehel, V., Vochozka, M., Kliestik, T., & Bakes, V. (2019). Economic analysis of implementing VMI model using game theory. Oeconomia Copernicana, 10(2), 253-272. https://doi.org/10.24136/oc.2019.013 Straková, J., Talíř, M., & Váchal, J. (2022). Opportunities and threats of digital transformation of business models in SMEs. Economics and Sociology, 15(3), 159-171. https://doi.org/10.14254/2071-789X.2022/15-3/9 The Heritage Foundation (2023). 2023 Index of Economic Freedom. Retrieved from: https://www.heritage.org/index/download (31.01.2023). The World Bank (2023). Life expectancy at birth, total (years). Retrieved from: https://data.worldbank.org/indicator/SP.DYN.LE00.IN (31.01.2023). Tiutiunyk, I. V., Zolkover, A. O., Lyeonov, S. V., & Ryabushka, L. B. (2022a). The impact of economic shadowing on social development: challenges for macroeconomic stability. Naukovyi Visnyk Natsionalnoho Hirnychoho Universytetu, 1, 183-191. https://doi.org/10.33271/nvngu/2022-1/183 Tiutiunyk, I., Cieśliński, W., Zolkover, A., & Vasa, L. (2022b). Foreign direct investment and shadow economy: One-way effect or multiple-way causality? Journal of International Studies, 15(4), 196-212. https://doi.org/10.14254/2071-8330.2022/15-4/12 Tran, L. Q. T., Phan, D. T., Herdon, M., & Kovacs, L. (2022). Assessing the Digital Transformation in Two Banks: Case Study in Hungary. AGRIS on-line Papers in Economics and Informatics, 14(2), 121-134. https://doi.org/10.7160/aol.2022.140210 Transparency International (2023). Corruption_Perceptions_Index. Retrieved from: https://www.transparency.org/en/cpi/2021?gclid=CjwKCAjw67ajBhAVEiwA2g_jEPyd355cvDdhD7SdWVteYeer5WvV3BZFHMo-Ox6p3vXSGk9wKi4p4BoCRJgQAvD_BwE (31.01.2023). Tribune (2020). Major cyber attack by Indian intelligence identified: ISPR. Retrieved from: https://tribune.com.pk/story/2259193/major-cyber-attack-by-indian-intelligence-identified-ispr (31.01.2023). Tvaronaviciene, M., & Burinskas, A. (2020). Industry 4.0 significance to competition and the eu competition policy. Economics & Sociology, 13(3), 244-258. https://doi.org/10.14254/2071-789X.2020/13-3/15 U.S. Department of Homeland Security (2016). Joint Statement from the Department of Homeland Security and Office of the Director of National Intelligence on Election Security. Retrieved from: https://www.dhs.gov/news/2016/10/07/joint-statement-department-homeland-security-and-office-director-national (31.01.2023). Vasudevan, H. (2022). Management and Leadership in the Klang Valley IT Sector: Conceptual Approach. Marketing and Management of Innovations, 3, 56-65. https://doi.org/10.21272/mmi.2022.3-05 Vitvitskiy, S. S., Kurakin, O. N., Pokataev, P. S., Skriabin, O. M., & Sanakoiev, D. B. (2021). Peculiarities of cybercrime investigation in the banking sector of Ukraine: review and analysis. Banks and Bank Systems, 16(1), 69-80. https://doi.org/10.21511/bbs.16(1).2021.07 Voo, J., Hemani, I., & Cassidy, D. (2022). National Cyber Power Index 2022. Retrieved from: https://www.belfercenter.org/sites/default/files/files/publication/CyberProject_National%20Cyber%20Power%20Index%202022_v3_220922.pdf (31.01.2023). Voronenko, I., Nehrey, M., Laptieva, A., Babenko, V., & Rohoza, K. (2022). National cybersecurity: Assessment, risks and trends. International Journal of Embedded Systems, 15(3), 226-238. https://doi.org/10.1504/IJES.2022.124854 Wang, Q., Chen, Y., Guan, H., Lyulyov, O., & Pimonenko, T. (2022). Technological innovation efficiency in China: Dynamic evaluation and driving factors. Sustainability (Switzerland), 14(14). https://doi.org/10.3390/su14148321 Wisevoter (2023). Most Powerful Countries in the World. Retrieved from: https://wisevoter.com/country-rankings/most-powerful-countries-in-the-world/ (31.01.2023). World Happiness Report (2023). World Happiness Report 2022. Retrieved from: https://worldhappiness.report/ed/2022/ (31.01.2023). Yarovenko, H. (2020). Evaluating the threat to national information security. Problems and Perspectives in Management, 18(3), 195-210. https://doi.org/10.21511/ppm.18(3).2020.17 Yarovenko, H., & Rogkova, M. (2022). Dynamic and bibliometric analysis of terms identifying the combating financial and cyber fraud system. Financial Markets, Institutions and Risks, 6(3), 93-104. https://doi.org/10.21272/fmir.6(3).93-104.2022 Yoshimori, H., & Yoshimori, M. (2022). An Education Gift – Integrated Cognitive and Non-Cognitive Skills – for Future Generations to Grow the Economy in the Digital Phase. SocioEconomic Challenges, 6(2), 5-18. https://doi.org/10.21272/sec.6(2).5-18.2022 Yu, Y., Xinxin, W., Ruoxi, L., & Tingting, Y. (2023). The Mediating Role of Human Capital in the Relationship between Education Expenditure and Science and Technology Innovation: Evidence from China. SocioEconomic Challenges, 7(1), 129-138. https://doi.org/10.21272/sec.7(1).129-138.2023 Zimaitis, I., Urbonavičius, S., Degutis, M., & Kaduškevičiūtė, V. (2022). Influence of trust and conspiracy beliefs on the disclosure of personal data online. Journal of Business Economics and Management, 23(3), 551-568. https://doi.org/10.3846/jbem.2022.16119
Adeyemo, K. A., Isiavwe, D., Adetula, D., Olamide, O., & Folashade, O. (2020). Mandatory adoption of the Central Bank of Nigeria’s cashless and e-payment policy: implications for bank customers. Banks and Bank Systems, 15(2), 243-253. https://doi.org/10.21511/bbs.15(2).2020.21 Barabashev, A., Makarov, I., & Zarochintcev, S. (2022). How to shape government policies on high-technology development using the indicative evaluation of risks? Administratie si Management Public, 38, 70-89. https://doi.org/10.24818/amp/2022.38-04 Bayram, M., & Akat, M. (2019). Market-Neutral Trading with Fuzzy Inference, a New Method for the Pairs Trading Strategy. Engineering Economics, 30(4), 411-421. https://doi.org/10.5755/j01.ee.30.4.14350 Bing, C., & Schectman, J. (2019). Inside the UAE’s secret hacking team of American mercenaries. Retrieved from: https://www.reuters.com/investigates/special-report/usa-spying-raven/ (31.01.2023). Bozhenko, V. (2022). Tackling corruption in the health sector. Health Economics and Management Review, 3(3), 32-39. https://doi.org/10.21272/hem.2022.3-03 Bozhenko, V. V., Lyeonov, S. V., Polishchuk, E. A., Boyko, A. O., & Artyukhova, N. O. (2022). Identification of determinants of corruption in government: a mar-spline approach. Naukovyi Visnyk Natsionalnoho Hirnychoho Universytetu, 6, 176-180. https://doi.org/10.33271/nvngu/2022-6/176 Bozhenko, V., Mynenko, S., & Shtefan, A. (2022b). Financial Fraud Detection on Social Networks Based on a Data Mining Approach. Financial Markets, Institutions and Risks, 6(4), 119-124. https://doi.org/10.21272/fmir.6(4).119-124.2022 Caballero-Morales, S.-O., Cordero Guridi, J. de J., Alvarez-Tamayo, R. I., & Cuautle-Gutiérrez, L. (2020). EDUCATION 4.0 to support entrepreneurship, social development and education in emerging economies. International Journal of Entrepreneurial Knowledge, 8(2), 89-100. https://doi.org/10.37335/ijek.v8i2.119 Chen, Y., Xu, S., Lyulyov, O., & Pimonenko, T. (2023). China’s digital economy development: incentives and challenges. Technological and Economic Development of Economy, 29(2), 518-538. https://doi.org/10.3846/tede.2022.18018 Ćwiklicki, M., & Wojnarowska, M. (2020). Circular Economy and Industry 4.0: One-Way or Two-way Relationships? Engineering Economics, 31(4), 387-397. https://doi.org/10.5755/j01.ee.31.4.24565 DavidPur, N. (2022). Which Countries are Most Dangerous? Cyber Attack Origin – by Country. Retrieved from: https://blog.cyberproof.com/blog/which-countries-are-most-dangerous (31.01.2023). Dečman, M., Stare, J., & Klun, M. (2022). The impact of the COVID-19 crisis on the development of the information society in Slovenia. Administratie si Management Public, 39, 77-96. https://doi.org/10.24818/amp/2022.39-05 Deutsche Welle (2022). Ukrainian websites hacked in 'global attack'. Retrieved from: https://www.dw.com/en/ukraine-government-websites-hacked-in-global-attack/a-60421475 (31.01.2023). Dluhopolskyi, O., Pakhnenko, O., Lyeonov, S., Semenog, A., Artyukhova, N., Cholewa-Wiktor, M., & Jastrzębski, W. (2023). Digital financial inclusion: COVID-19 impacts and opportunities. Sustainability (Switzerland), 15(3), 2383. https://doi.org/10.3390/su15032383 Economist Intelligence (2023). Democracy Index. Retrieved from: https://www.eiu.com/n/campaigns/democracy-index-2022/?utm_source=google&utm_medium=paid-search&utm_campaign=democracy-index-2022&gclid=CjwKCAjwgqejBhBAEiwAuWHioAEruOQA25JyHg-61MBEiYNJp9hvu3Pf91E_tWO2W0nauZ6on003ORoC6UsQAvD_BwE (31.01.2023). E-Governance Academy (2023). National Cyber Security Index. Retrieved from: https://ncsi.ega.ee/ncsi-index/ (31.01.2023). Fobel, P., & Kuzior, A. (2019). The future (Industry 4.0) is closer than we think. Will it also be ethical? Paper presented at the AIP Conference Proceedings, 2186. https://doi.org/10.1063/1.5137987 Glova, J., Bernatik, W., & Tulai, O. (2020). Determinant Effects of Political and Economic Factors on Country Risk: An Evidence from the EU Countries. Montenegrin Journal of Economics, 16(1), 37-53. https://doi.org/10.14254/1800-5845/2020.16-1.3 Gontareva, I., Babenko, V., Kuchmacz, B., & Arefiev, S. (2020). Valuation of information resources in the analysis of cybersecurity entrepreneurship. Estudios De Economia Aplicada, 38(4), https://doi.org/10.25115/EEA.V38I4.3984 Gupta, A., & Mishra, M. (2022). Ethical Concerns While Using Artificial Intelligence in Recruitment of Employees. Business Ethics and Leadership, 6(2), 6-11. https://doi.org/10.21272/bel.6(2).6-11.2022 Gurbanov, N., Yagublu, N., Akbarli, N., & Niftiyev, I. (2022). Digitalization and the Covid-19-led public crisis management: an evaluation of financial sustainability in the Azerbaijan business sector. SocioEconomic Challenges, 6(3), 23-38. https://doi.org/10.21272/sec.6(3).23-38.2022 Institute for Economics and Peace (2022). Global Terrorism Index 2022. Retrieved from: https://reliefweb.int/report/world/global-terrorism-index-2022 (31.01.2023). Kaspersky (2023). Cyberthreat real-time map. Retrieved from: https://cybermap.kaspersky.com/ (31.01.2023). Krebs, B. (2021). At Least 30,000 U.S. Organizations Newly Hacked Via Holes in Microsoft’s Email Software. Retrieved from: https://krebsonsecurity.com/2021/03/at-least-30000-u-s-organizations-newly-hacked-via-holes-in-microsofts-email-software/ (31.01.2023). Kumar, N., & Kumar, J. (2019). Efficiency 4.0 for Industry 4.0. Human Technology, 15(1), 55-78. https://doi.org/10.17011/ht/urn.201902201608 Kurniawati, E., Kohar, U.H.A., & Pirzada, K. (2022). Change or destroy: the digital transformation of Indonesian MSMES to achieve sustainable economy. Polish Journal of Management Studies, 26(2), 248-264. https://doi.org/10.17512/pjms.2022.26.2.15 Kuzior, A., & Kwilinski, A. (2022). Cognitive technologies and artificial intelligence in social perception. 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