ЦИФРОВИЗАЦИЯ ФИНАНСОВОГО СЕКТОРА ЭКОНОМИКИ: ПРОБЛЕМЫ И ПЕРСПЕКТИВЫ

УДК 336.144.2:004.9

  • Криштаносов Виталий Брониславович − кандидат экономических наук, докторант Белорусского государственного технологического университета (220006, г. Минск, ул. Свердлова, 13а, Республика Беларусь). E-mail: Krishtanosov@mail.ru

DOI: https://doi.org/10.52065/2520-6877-2021-244-1-17-40

Ключевые слова: цифровизация финансового сектора, FinTech, финансовая доступность, краудфандинг, алгоритмическая торговля, мобильные финансовые услуги, мобильные деньги, InsurTech.

Для цитирования: Криштаносов В. Б. Цифровизация финансового сектора экономики: проблемы и перспективы // Труды БГТУ. Сер. 5, Экономика и управление. 2021. № 1 (224). С. 17–40. DOI: https://doi.org/10.52065/2520-6877-2021-244-1-17-40.

Аннотация

Выявлены основные направления цифровизации финансового сектора современной экономики, отмечена роль компаний и услуг сферы FinTech как в теоретическом, так и практическом разрезах, приведены актуальные подходы к определению данного понятия в экономической литературе. Обоснованы главные причины и факторы развития данного направления цифровизации финансового сектора, включая концепцию финансовой доступности, преимущества и недостатки FinTech, приведены различные подходы к их классификации, страновые и региональные особенности, проведен анализ тенденций развития. Отмечено краудфандинговое направление FinTech, приведены подходы к его определению и классификации, выявлены преимущества механизма краудфандинга, проанализирована его роль в современной экономике. Исследована тенденция развития алгоритмической торговли как важнейшего направления цифровизации финансового сектора. Проведен детальный анализ мобильных финансовых услуг как одного из самых быстроразвивающихся направлений FinTech, приведены подходы к их классификации, обоснованы факторы, стимулирующие рост мобильных платежей, страновые и региональные особенности. Проанализированы основные направления цифровизации страхового сектора, сделаны обоснованные выводы о преимуществах InsurTech.

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Поступила 02.02.2021