The purpose of the article is to substantiate the necessity and compile recommendations for improvement of the process of development and conduct of cluster policy in agrarian sphere during realization of the concept of economic growth by the example of modern Russia. As methodological provision, the research uses the proprietary methodology of analysis of development of agrarian sphere of economy. As a result of the use of this methodology and analysis of development of agrarian sphere of modern Russian, the authors come to the conclusion that it has a lot of negative tendencies, which causes necessity for improvement of policy in this sphere. For this, the authors offer to use clustering. The authors develop the Pyramid of optimal economic growth and the Model of realization of the concept of economic growth on the basis of conduct of cluster policy in agrarian sphere.
The purpose of the article is to assess the state of the Russian payment market and the impact on it of two main factors - the COVID-19 pandemic and the development of the digital economy. Objectives of the article: 1) highlight the stages of development of the modern payment market in Russia; 2) identify the dynamics of the payment market of the Russian Federation (infrastructure for the provision of payment and other financial services, the number of non-cash payments, the use of cash); 3) to establish the impact of the COVID-19 pandemic and the development of the digital economy on the state of the Russian payment market. As a result of solving the tasks, the following was established. There are three stages to assess the Russian payment market. Analysis of data on the infrastructure for the provision of payment and other financial services showed that since 2010 there has been an annual decrease in the number of banks. The structure of non-cash payments is changing: the number and amount of transactions using payment cards are growing, the number and volume of money transfers are decreasing, and cash is being phased out. The impact of the COVID-19 pandemic and digitalization on the state of the Russian payment market reflects trends that are being strengthened by the pandemic and are shaping a sustainable trend.
The article substantiates the objective inevitability of agriculture digital transformation. At the same time, the main goal of the digital technology introduction is defined as ensuring food security and achieving competitive advantages in the domestic and foreign markets of agricultural production. In the process of the study, there were established three main components that provide the digital transformation of the agricultural sector-resource, internal and productive. An assessment of each of them in the conditions of agriculture of the Volgograd region was carried out, which made it possible to identify a number of difficulties hindering the active introduction of digital technologies. Among the main constraints is the lack of specific facts that can confirm the creation of conditions for the growth of the effective component of digital transformation, which could be a driver for the use of digital technologies by the agribusiness. Other equally important factors include the impossibility of the region's existing infrastructure to directly affect the internal component of the digital transformation of agricultural production, the low share of agricultural employees with a high level of digital literacy, as well as the lack of information technology specialists with additional knowledge of agricultural features.
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