РОЛЬ ЦИФРОВЫХ ФИНАНСОВЫХ СЕРВИСОВ И ТЕХНОЛОГИЙ В РАЗВИТИИ СОВРЕМЕННОЙ АРХИТЕКТУРЫ ЭКОНОМИЧЕСКОГО ПРОСТРАНСТВА

Abstract

Subject. Organizational and economic relations arising in the process of digital transformation of the national financial system. Topic. Research of digital services and technologies in the development of the modern financial environment. Purpose. The purpose of the work is to identify trends in the development of the modern financial environment associated with the spread of digital services and technologies. Methodology. The study was carried out using dialectical, abstract-logical, comparative, economic and statistical approaches, graphical techniques for visualizing statistical and calculated data. Results. Active digitalization processes are changing the architecture of the entire economic space. New business models are spreading, mainly focused on the use of digital services and technologies in working with clients, as well as in ensuring operational processes. The financial environment in general and the banking industry in particular demonstrates a high susceptibility to the introduction of digital products and technologies. The development of information and telecommunication systems and their implementation in the activities of commercial banks leads to the active development of the practice of cashless payments, the proliferation of digital channels for personal finance management, the expansion of the range of digital products and services (contactless payments, digital cards, artificial intelligence, machine learning, biometric identification). Application area. The research results can be used in the development and implementation of sectoral and regional strategies for the digitalization of the economic space. Conclusions. The study shows that the activities of the largest domestic and foreign agents of the financial market are aimed at actively mastering the possibilities of digital technologies and their adaptation to the conditions of financial business. Digital transformations are catalysts for a new development trajectory not only for the banking business, but also for the economy as a whole. Keywords: innovation management, digitalization, digital services and technologies, digital banking.