00534naa#a2200181#i#450# EN\\bibl\4985 20260213014750.5 1995-042X 20141215b2014####ek#y0engy0150####ca RUS RU Service as part of the strategy of retail banking businesses Journal article CHERKIZOVO Russian State University of Tourism and Service 2014 11 с. Journal article local Chernikova Lyudmila Faizova Guzel naukaru.ru