Modeling the cost of transferring funds taking into account the initial information Dmitry Eremeev, Galina Zolotareva, Natalia Kazanskaya, Natalia Fedorova and Elena Vaitekunene SHS Web Conf., 116 (2021) 00079 Published online: 30 July 2021 DOI: 10.1051/shsconf/202111600079