Abstract:

At the present stage of development of scientific and technological progress, the digital revolution has affected almost all types of economic activity. Digital technologies have covered almost all information, financial and a significant part of the industrial and social spheres. Today, digital transformation is based on changes associated with the introduction of information and communication technologies. Their dynamic development transformed the entire world economy. Global economic growth and competitiveness are closely linked to the digital economy. Digital technologies can optimize costs, increase the profitability of existing assets and improve the efficiency of investments. In the near future, the competitiveness of the company will be determined by the level of digitalization. In particular, the financial sector is experiencing increased competition, the entry of new participants into the market, including the emergence of a large number of financial and technology companies and alternative banks. The article analyzes the prospects of digital transformation of the world and Russian financial sectors. The development of the world and Russian market of digital financial technologies is analyzed. The areas of the financial market that are most affected by financial technologies are identified.