@book{Krivoruchko2024increasing,
author={Krivoruchko, S.V. and Ponamorenko, V.E. and Lopatin, V.A. and Mamuta, M.V. and Dostov, V.L. and Emelin, A.V. and Maklakova, T.R. and Bragina, T.S.},
title={Increasing the availability of payment services through the development of user identification systems},
publisher={INFRA-M Academic Publishing LLC.},
year={2024},
pages={157},
}