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This is to certify that your paper entitled «Transformation of Household Credit Behavior in the Conditions of Digitalization of the Financial Services Market» was indexed with 6 pages, in the CIVILICA citation database, code COI:JR_JOIE-14-29_023, after evaluation and approval of the referees of the "Journal of Optimization in Industrial Engineering Vol 14, Issue 29 , Year 2021.

While offering our congratulations on the indexation of your paper, please be informed that this certificate is prepared based on the information submitted by the secretariat of the above journal and the information contained in the CIVILICA database, and the accuracy of its content can be inquired at any time through link provided at the bottom of the page or scanning the code image.