Тенденции цифровизации российского рынка финансовых услуг

Abstract

The subject of the study is the interaction of business entities in the use of financial services in the context of the digital transformation of the economy. The objectives of the work are to identify trends in the development of the financial services market and the impact of technology on its formation, to establish the features of digitalization of the financial services market through the use of systematic, economic and statistical analysis methods to adapt business entities to changing economic conditions, to make informed decisions on the use of services that will meet the needs of customers. The sectors of financial services provided have been identified and their classification according to technological, organizational and consumer characteristics has been developed. The trends of Internet banking in Russia have been established and the prospects for financing companies in the context of digitalization have been predicted. Information security measures have been defined. The concept of a business ecosystem is formulated. Conclusions are drawn that when choosing multivariate sources of financing, business entities should take into account the trends of changes in each market segment based on an integrated approach to the rational use of modern financial services in the context of the digital transformation of the economy.