Digital Transformation of Housing and Utilities Management Processes: Opportunities and Barriers for Municipal Administrations (Case Study of the Murom Urban District). "Journal "U". Economy. Management. Finance.", [S. l.], n. 1, 2026. Disponível em: https://portal-u.ru/index.php/journal/article/view/1225. Acesso em: 13 feb. 2026.