List of Articles Artur Zhavoronok Article 1 - Transformation of Household Credit Behavior in the Conditions of Digitalization of the Financial Services Market 20.1001.1.22519904.2021.14.3.23.8 10.22094/joie.2020.677835 Maksym Dubyna Artur Zhavoronok Nataliia Kudlaieva Inna Lopashchuk Journal of Optimization in Industrial Engineering , Issue 29 , Year , Summer 2021