V. G. Khalin
Saint-Petersburg State University
Russian Federation

Vladimir G. Khalin, Professor of the Chair of Information Systems in Economics, Doctor of Science (Economic), Professor

Saint Petersburg

G. V. Chernova
Saint-Petersburg State University
Russian Federation

Galina V. Chernova, Professor of the Chair of Risk management and Insurance, Doctor of Science (Economic), Professor

Saint Petersburg

S. A. Kalayda
Saint-Petersburg State University
Russian Federation

Svetlana A. Kalayda, Associated Professor of the Chair of Risk management and Insurance, PhD in Economics, Associated professor

Saint Petersburg