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Faktory finansovoi bezopasnosti domokhozyaistv Rossii i Volgogradskoi oblasti [Factors of financial security of households in Russia and Volgograd region]. Biznes. Obrazovanie. Pravo. [Business. Education. Law], 2020, no. 4 (53), pp. 235-239. (In Russ.). doi:10.25683/VOLBI.2020.53.483. 22. Makar S. V., Yarasheva A. V., Alikperova N. V. Finansovaya infrastruktura: tochki dostupa dlya naseleniya [Financial infrastructure: Public access points]. Ekonomika. Nalogi. Pravo. [Economics, Taxes & Law], 2021, vol. 14, no. 3, pp. 56-66. (In Russ.). doi:10.26794/1999-849X-2021-14-3-56-66. Об авторе: А. Н. Чапаргина — канд. экон. наук, старший научный сотрудник. About the author: A. N. Chapargina — PhD (Economics), Senior Researcher. Статья поступила в редакцию 25 декабря 2025 года. Статья принята к публикации 21 февраля 2026 года. The article was submitted on December 25, 2025. Accepted for publication on February 21, 2026. ©Чапаргина А. Н., 2026 54