Financial Inclusion of Banking Services for Consumers in the Context of Digitalization
The object of the study is the inclusion of banking services for making payments in the context of consumers using the Internet, mobile subscriber devices. The subject of the study is the factors and approaches to assessing digital financial inclusion for consumers of payment services provided by th...
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| Format: | Article |
| Language: | Russian |
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Government of the Russian Federation, Financial University
2024-12-01
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| Series: | Финансы: теория и практика |
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| Online Access: | https://financetp.fa.ru/jour/article/view/3316 |
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| _version_ | 1849242162890276864 |
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| author | O. S. Miroshnichenko |
| author_facet | O. S. Miroshnichenko |
| author_sort | O. S. Miroshnichenko |
| collection | DOAJ |
| description | The object of the study is the inclusion of banking services for making payments in the context of consumers using the Internet, mobile subscriber devices. The subject of the study is the factors and approaches to assessing digital financial inclusion for consumers of payment services provided by the banking sector. The relevance of the study is due to the need to increase financial inclusion in the context of ensuring financial stability, economic growth, prosperity and equal opportunities for all members of society, which is determined by domestic strategic priorities, as well as a global sustainable agenda, in the context of the development of digital technologies. The purpose of the study is to identify factors associated with increasing the inclusion of financial services for Russian consumers in the context of the development of digital technologies, using the example of payment services provided by the banking sector. Methods of generalization, grouping, statistical and comparative analyzes were used in the study. As a result, factors associated with the digital inclusion of payment services provided by the banking sector to consumers were identified, including the share of the population that are active Internet users in the total population; the number of divisions of operating credit institutions per 1 million adults, and population density. It is concluded that the development of digital literacy of consumers will contribute to the increase in digital financial inclusion, for which it is advisable for the state, the regulator and the financial market participant to form a need among consumers and provide the opportunity to develop digital skills to receive and ensure security when receiving financial services. Further research can be focused on individual components of digital financial inclusion, various groups of counterparties, certain financial services, certain types of financial institutions, including operators of financial and investment platforms, as well as on the effects and risks of the micro and macro levels. |
| format | Article |
| id | doaj-art-e36bfd9e261f490b96679647da9754a1 |
| institution | Kabale University |
| issn | 2587-5671 2587-7089 |
| language | Russian |
| publishDate | 2024-12-01 |
| publisher | Government of the Russian Federation, Financial University |
| record_format | Article |
| series | Финансы: теория и практика |
| spelling | doaj-art-e36bfd9e261f490b96679647da9754a12025-08-20T03:59:53ZrusGovernment of the Russian Federation, Financial UniversityФинансы: теория и практика2587-56712587-70892024-12-0128613414210.26794/2587-5671-2024-28-6-134-1421222Financial Inclusion of Banking Services for Consumers in the Context of DigitalizationO. S. Miroshnichenko0Tyumen State UniversityThe object of the study is the inclusion of banking services for making payments in the context of consumers using the Internet, mobile subscriber devices. The subject of the study is the factors and approaches to assessing digital financial inclusion for consumers of payment services provided by the banking sector. The relevance of the study is due to the need to increase financial inclusion in the context of ensuring financial stability, economic growth, prosperity and equal opportunities for all members of society, which is determined by domestic strategic priorities, as well as a global sustainable agenda, in the context of the development of digital technologies. The purpose of the study is to identify factors associated with increasing the inclusion of financial services for Russian consumers in the context of the development of digital technologies, using the example of payment services provided by the banking sector. Methods of generalization, grouping, statistical and comparative analyzes were used in the study. As a result, factors associated with the digital inclusion of payment services provided by the banking sector to consumers were identified, including the share of the population that are active Internet users in the total population; the number of divisions of operating credit institutions per 1 million adults, and population density. It is concluded that the development of digital literacy of consumers will contribute to the increase in digital financial inclusion, for which it is advisable for the state, the regulator and the financial market participant to form a need among consumers and provide the opportunity to develop digital skills to receive and ensure security when receiving financial services. Further research can be focused on individual components of digital financial inclusion, various groups of counterparties, certain financial services, certain types of financial institutions, including operators of financial and investment platforms, as well as on the effects and risks of the micro and macro levels.https://financetp.fa.ru/jour/article/view/3316digital financial inclusiondigital financewelfaredigital paymentsdigital literacyinformation and communication technologiesonline shoppingsustainable development goalsdigital economyrussia |
| spellingShingle | O. S. Miroshnichenko Financial Inclusion of Banking Services for Consumers in the Context of Digitalization Финансы: теория и практика digital financial inclusion digital finance welfare digital payments digital literacy information and communication technologies online shopping sustainable development goals digital economy russia |
| title | Financial Inclusion of Banking Services for Consumers in the Context of Digitalization |
| title_full | Financial Inclusion of Banking Services for Consumers in the Context of Digitalization |
| title_fullStr | Financial Inclusion of Banking Services for Consumers in the Context of Digitalization |
| title_full_unstemmed | Financial Inclusion of Banking Services for Consumers in the Context of Digitalization |
| title_short | Financial Inclusion of Banking Services for Consumers in the Context of Digitalization |
| title_sort | financial inclusion of banking services for consumers in the context of digitalization |
| topic | digital financial inclusion digital finance welfare digital payments digital literacy information and communication technologies online shopping sustainable development goals digital economy russia |
| url | https://financetp.fa.ru/jour/article/view/3316 |
| work_keys_str_mv | AT osmiroshnichenko financialinclusionofbankingservicesforconsumersinthecontextofdigitalization |