“THEORETICAL FOUNDATIONS OF REDUCING THE SHARE OF INFORMAL ECONOMY THROUGH FINANCIAL INSTRUMENTS”, Aca. Glo. Ind.Res., vol. 5, no. 01, pp. 35–39, Jan. 2024, Accessed: Jan. 31, 2026. [Online]. Available: https://agir.academiascience.org/index.php/agir/article/view/1478