MainAuthors Botasheva Leyla E. kandidat yuridicheskih nauk, docent, docent kafedry administrativnogo i finansovogo prava FGAOU VO «North-Caucasian Federal University» ARTICLES: THE IMPACT OF THE UNIFICATION OF EDUCATIONAL STANDARDS TO EMPOWER STUDENTS Gaps in Russian Legislation — Issue №7 2016: 86-89 FINANCIAL AND LEGAL REGULATION OF BANKING ACTIVITIES: CURRENT TRENDS IN DIGITALIZATION Economic Problems and Legal Practice — Issue №4 2018: 130-131 BANK ACCOUNT AGREEMENT WITH INDIVIDUALS: SELECTED NOVELS OF THE LAW Economic Problems and Legal Practice — Issue №1 2019: 107-111