Быканова Н.И., Гордя Д.В., Евдокимов Д.В. Тенденции и закономерности процесса цифровизации банковского сектора Белгородский государственный национальный исследовательский университет ул. Победы,
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Macroeconomic indicators characterizing the development of Russia has been analyzed during the study. The position of the Russian Federation in the world arena on the indicators of oil production and export has also been determined. The article describes the results of statistical analysis and forecasting of the oil market of the Russian Federation. An analysis of the dependence of monetary aggregates on factors of oil production, export and the price of oil has been conducted using three-factor model. A close relationship between the factors of oil and monetary aggregates has been revealed. The obtained results of the study are of interest for forecasting the economic state of the country and monitoring oil production volumes.
The ongoing changes in society, caused by the acceleration of the digitization processes, are having an increasing impact on the population’s ability to absorb new digital products and on the overall level of financial literacy from the earliest age. These processes act as a driver for the growth of interest in kids banking in the near future. The article provides a definition of kids banking and identifies promising areas for the development of kids banking in Russia, which include the production of kids bank cards with special conditions of service, as well as the development of special mobile applications for children with financial literacy elements and the ability for parents to control children’s external spending. The authors have systematized and studied the conditions for issuing and servicing kids (from 6 years old) and youth (from 14 years old) bank cards among leading banks in these segments: Sberbank, Tinkoff Bank, Post Bank, Alfa-Bank, Sovcombank, opportunities offered on the market of banking applications for children are determined. Particular attention is paid to identifying the benefits of kids banking from the perspective of all parties involved, including child clients, their parents and the banking institutions themselves. However, it should be noted that despite all the work done in this direction, a number of factors are currently hindering the active development of this segment. This is, first of all, the unwillingness of some banks to invest large amounts of resources with an unobvious result, since the effect of such investments is significantly delayed in time. In addition, some issues of interaction between banks and child clients at this stage require clarification in the legislation.
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