Journal
Scientific journal NRU ITMO Series "Economics and Environmental Management"
UDK
Issue:1 (40)
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Financial technologies and their role in the economy stabilization
Annotation
This article analyzed key economic indicators, the change of which, according to the experience of 2008, indicates an impending economic recession. Also, the article assesses Russia's readiness for a predictable crisis by analyzing the volume and structure of the national security fund and the level of loans to citizens. Further, financial technologies were considered as a tool to prevent the economic crisis. The main goal of innovative companies in the fintech sector is to exclude banks as intermediaries from the financial system. The key areas that are accepting more investment and are marked by increased investor demand are the areas of bank transfers and consumer lending. This once again confirms the hypothesis about the serious intention of the financial technology market to eliminate, on the one hand, a high margin but, as the figures show, the banking sector is ineffective for the population and economy.
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