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t. tsygankova1, orcid.org/0000-0001-6177-2555, O. yatsenko1, orcid.org/0000-0003-4399-2217, O. Mozgovyy1, orcid.org/0000-0002-6752-4816, t. Didukh2, orcid.org/0000-0002-8144-8143, l. patsola3, orcid.org/0000-0003-0606-5406 1 – Kyiv National Economic University named after Vadym Hetman, Kyiv, Ukraine, e­mail: yacenkoolgakneu@gmail.com 2 – PPRO Financial Ltd, Munich, the Federal Republic of Germany 3 – CyberVision Inc, Kyiv, Ukraine

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