Инновации российского финансового сектора экономики

Abstract

Introduction. The digital changes taking place in all spheres of society are most evident in certain sectors, especially in the financial sector. One of the factors of the modern development of a sustainable economy is the digitalization of society associated with the rapid development of information technologies. Informatization of this sector in Russia is associated with the synthesis of legal, economic, social, political changes. Theoretical analysis. The article is devoted to the key trends of informatization of the financial sector of Russia. Consideration of theoretical and methodological approaches to the study of the penetration of digital technologies into the financial sector shows the lag of the Russian practice of deploying digital technologies from Western practices, and rapid growth in 2020 under the influence of the covid crisis. Empirical analysis. Analysis of the main suppliers of information technologies in the financial sphere and their products has been carried out. Priority directions of development of information technologies in the financial sector and ways of their implementation are identified. The main approaches to strengthening information security and reliability of financial technologies in Russia have been studied. Synthesis of materials on research of information technologies in the financial sector of Russia has been carried out. Results. Modern realities are such that new technologies based on digital services are actively being introduced into Russian practice, which changes the structure of financial market entities, makes financial products more accessible to citizens and businesses. The penetration of IT companies into the financial services market starts the process of transforming the delivery of financial products and services fintech becomes an independent sector of the economy. The format of the financial sector, 24/7, gives users round-the-clock access to services and products, but at the same time forms a range of risks that need to be taken into account and addressed. Digitalization of the financial sector, based on a global rethinking of information solutions, is the key to the transition to sustainable development.