TY JOUR TI MANAGING ARTIFICIAL INTELLIGENCE INVESTMENTS IN E-COMMERCE: THE AI-ROI METHOD FOR ECONOMIC EFFICIENCY ASSESSMENT IN SMALL AND MEDIUM-SIZED ENTERPRISES KW artificial intelligence investments KW economic efficiency KW investment appraisal KW net present value KW discounted cash flow KW e-commerce KW small and medium-sized enterprises KW digital transformation KW management JO MOSCOW ECONOMIC JOURNAL AU Korzhakov, V.A. PY 2026 IS 11 PB Electronic science