Effective transformation of household savings in the context of a systemic economic crisisTatiana M. Rogova, Maxim A. Semenov, Alla Yu. Chalova, Dinara R. Tutaeva and Anton D. MurzinE3S Web Conf., 403 (2023) 08012DOI: https://doi.org/10.1051/e3sconf/202340308012