00547naa#a2200181#i#450# EN\\bibl\99734 20260727023827.1 2500-3372 20260713b2026####ek#y0engy0150####ca RU Digital Technologies in Insurance Business Journal article Kemerovo Kemerovo State University 2026 11 с. Journal article local Yusibova Sabrina Sadraddinovna Bolotin Kirill Aleksandrovich Selivanova Marina Aleksandrovna naukaru.ru