@article{Dosugova2026managing,
author={Dosugova, A.V. and Chebrov, A.A.},
title={Managing the effectiveness of existing 
innovative models to enhance the competitive 
advantages of PJSC VTB Bank},
journal={Journal of Management Studies},
publisher={INFRA-M Academic Publishing LLC.},
year={2026},
pages={87-94},
volume={12},
issue={2},
}