Abstract
In modern Kyrgyzstan, transformational processes related to digitalization are taking place, which have led to a change in public consciousness, a reassessment of values in the field of economics, finance and in general in public life. At the moment, society is faced with the introduction of digital technologies, which have led to a powerful generation of new knowledge, attitudes and skills; there is a need to adjust personal financial management and lifestyle changes. Changing the model of financial behavior can be regarded as a way for the population to respond to the current situation, the purpose of which is to create opportunities for managing personal finances and ensuring relationships that allow the subject to achieve their life priorities. Citizens understand the need to involve them in new technological solutions in order to keep up with
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