RETRACTED: Ecosystems in the financial environment as a digitalization trendIrina Tretyakova, Tatiana Kolmykova, Nadezhda Serebryakova, Elena Astapenko and Elena KotsyurkoE3S Web Conf., 549 (2024) 09006DOI: https://doi.org/10.1051/e3sconf/202454909006