КЛЮЧЕВЫЕ ТЕНДЕНЦИИ ЦИФРОВИЗАЦИИ В СОВРЕМЕННОЙ ФИНАНСОВОЙ ИНФРАСТРУКТУРЕ: МЕЖДУНАРОДНЫЙ И РОССИЙСКИЙ АСПЕКТЫ

Abstract

This article analyzes the processes of digitalization in the field of finance in international and Russian practice, examines the key factors and current trends in the digital transformation of financial instruments. This analysis has shown that the financial market is the most important system of the digital economy. The introduction and development of financial technologies makes it possible to optimize and reduce operating costs, structure services, remove risks, increase the availability and quality of financial services and services for citizens and businesses, and contributes to the creation of a competitive environment. These preferences became the basis for the fact that financial institutions were the first to come to the new digital reality in the global economy. The article assesses the state, problems and prospects of digitalization of the Russian financial market, discusses the mechanisms of its state support.