Valeriia Melnyk Researcher Nord University Business School Emailvaleriya.melnyk@nord.noPhone+4775517554Study locationBodøOfficeBODNV U102 Scientific publications 2024 Management of personal finance in the digital era: the case of Ukraine before and during the war 2024, Nord universitet: Melnyk, Valeriia 2023 Transforming the nature of trust between banks and young clients: from traditional to digital banking 2023, Qualitative Research in Financial Markets: Melnyk, Valeriia