Oleg P. Yuzhalin

the article analyzes economic risks arising from English-language phishing attacks aimed at financial institutions. Special attention is paid to linguistic manipulation as a key mechanism of social engineering that influences user behavior. The research examines typical linguistic patterns used in phishing messages and evaluates their impact on direct and indirect financial losses. The methodological basis of the study includes analysis of academic literature, industry reports, and concepts from behavioral economics and cognitive psychology. The results indicate that linguistic manipulation si...

this article reviews recent evidence on how artificial intelligence (AI) affects English language learning among university students. Based on systematic reviews, meta-analyses, empirical studies, and UNESCO guidance, the paper shows that AI can support vocabulary, writing, reading, speaking practice, and self-regulated learning. At the same time, it can weaken learning when students rely on it uncritically or use it without ethical boundaries. The article argues that AI is most effective as a supplementary tool within teacher-guided instruction and proposes conditions for responsible classroo...