თანამედროვე მიდგომები საბანკო რეგულირებისადმი ციფრული ტექნოლოგიების განვითარების პირობებში

Abstract

The development of digital technologies has a great impact on traditional channels for providing banking services. The speed of introduction of innovative products and services, technological changes require great flexibility from banking regulators. Also, the active participation of the government in the development of digital technologies is one of the main factors of successful digitalization. In modern conditions, in order to ensure the development of innovation in the banking sector, new mechanisms and instruments for regulating innovative financial technologies, products and services are being created. The article specifies that the effective, safe operation and development of the digital financial space requires coordinated actions from all its participants, as well as the establishment of requirements for the assessment and monitoring of potential risks caused by innovations, timely improvement and refinement of regulatory requirements. This allows to maintain the stability of the financial system and protect the rights of consumers, and to promote the development and introduction of innovative financial products and services.