Виды цифровых инноваций на финансовом рынке (финансово-правовые аспекты)

Abstract

Purpose. This article is devoted to the consideration of legal approaches to the description of digital financial innovations in the financial market. The author strives to identify the features of the legal regulation mechanism and the prospects for introducing innovations in the process of providing financial services by credit and non-credit financial organizations. Methodology: analysis, synthesis, induction, deduction, comparative legal and structuralsystem approaches. Results. The author points out that the lack of legal consolidation of the types of innovations in regulatory legal acts is due to their universal nature and does not depend on the level of economic development and the type of legal system. The introduction of digital innovations in the financial market is designed to improve the quality of services provided to consumers, which at the present stage is supported by the adopted basic regulations and correlates with the goals of the financial market development strategy developed by the relevant regulators, in particular the Central Bank of the Russian Federation. Scientific and practical significance. The article aims to systematize existing research developments in the field of digital innovations in the financial market, which involves analyzing their features, as well as identifying existing problems, the solution of which will contribute to the development of law enforcement practice in this direction.