TY JOUR TI EVALUATING THE ECONOMIC EFFICIENCY OF ARTIFICIAL INTELLIGENCE IMPLEMENTATION IN THE RUSSIAN BANKING SECTOR ( A CASE STUDY OF SBERBANK PJSC AND VTB PJSC) KW banking sector KW artificial intelligence KW digital transformation KW corporate management KW Sberbank PJSC KW VTB PJSC KW Russia's technological development JO Russian Journal of Management AU Sheremet, A.G. AU Troitskaya, N.N. PY 2026 IS 14 PB Publishing Center RIOR