digitalization

Introduction. The article substantiates the relevance of domestic tourism development, examines the domestic tourist flow dynamics, and pays attention to the importance of mass tourism development for Russian economy. Theoretical analysis. Institutionalization and digitalization are fundamental elements of the mass domestic sustainable tourism development matrix. It is noted that a direct appeal to the tourist services producers by potential tourists through digital institutions becomes a condition for mass tourism restoration of in our country. Empirical analysis. An important role in domestic tourism development is played by the creation of digital products, which include a mobile application-designer of tourist trips “Be your own tour operator”. The paper gives an example of building a tourist route in Samara, proves the advantages of using the services of the proposed application. Results. The formation of mass domestic sustainable tourism requires the production of a customized tourist product, which can be achieved by applying institutional and digital mechanisms to the tourism industry. The customization of the tourist product reduces the role of tour operators in the domestic market and increases the role of tour guides and other direct producers of tourist services, which is the tourism digitalization paradox.

Introduction. The digital changes taking place in all spheres of society are most evident in certain sectors, especially in the fi nancial sector. One of the factors of the modern development of a sustainable economy is the digitalization of society associated with the rapid development of information technologies. Informatization of this sector in Russia is associated with the synthesis of legal, economic, social, political changes. Theoretical analysis.The article is devoted to the key trends of informatization of the fi nancial sector of Russia. Consideration of theoretical and methodological approaches to the study of the penetration of digital technologies into the fi nancial sector shows the lag of the Russian practice of deploying digital technologies from Western practices, and rapid growth in 2020 under the infl uence of the covid crisis. Empirical analysis. Analysis of the main suppliers of information technologies in the fi nancial sphere and their products has been carried out. Priority directions of development of information technologies in the fi nancial sector and ways of their implementation are identifi ed. The main approaches to strengthening information security and reliability of fi nancial technologies in Russia have been studied. Synthesis of materials on research of information technologies in the fi nancial sector of Russia has been carried out. Results. Modern realities are such that new technologies based on digital services are actively being introduced into Russian practice, which changes the structure of fi nancial market entities, makes fi nancial products more accessible to citizens and businesses. The penetration of IT companies into the fi nancial services market starts the process of transforming the delivery of fi nancial products and services fi ntech becomes an independent sector of the economy. The format of the fi nancial sector, 24/7, gives users round-the-clock access to services and products, but at the same time forms a range of risks that need to be taken into account and addressed. Digitalization of the fi nancial sector, based on a global rethinking of information solutions, is the key to the transition to sustainable development.

Introduction. Currently, most of the public services are provided in a digital format, which triggers the activization of the “feedback” channel between authorities and organizations performing public functions and consumers of services. Functionally, this task can be solved with the help of the institution of electronic appeals. Theoretical analysis. It is noted that qualitative changes in the social setting in connection with the digitalization of the economy have led to a change in the relationship between the state and the individual. The management paradigm is built in accordance with the interests of the subject, i.e. the consumer of public services for the population, most of which are provided to the subject in the electronic form with their subsequent evaluation through the institution of electronic appeals. Empirical analysis. The authors analyze the legislation regulating the procedure for consideration of citizens’ appeals, including written ones, submitted electronically. The authors formulate the definition of the concept of “electronic appeals” and carry out the classification of electronic appeals. The researchers also characterize the legal regimes of filing and consideration of electronic appeals through the official websites of public bodies and organizations performing public functions, as well as through federal official (state) websites specially designed for citizens to submit appeals in the form of an electronic document. Results. In conclusion, the authors highlight the important role of the institution of electronic appeals in digital transformation and the increasing level of information and communication culture.

Introduction. Currently, the world is creating a global digital space. This process covers, to a greater or lesser extent, virtually all countries of the world. The relevance and vitality of this process is proved by the digitalization of not only the economy, but also of all spheres of human activity. Despite the increasing degree of research of this process, there raises the question of finding the threats and prospects that should be expected from digitalization for the economic development of our country. Theoretical analysis. The historical aspect of the digital economy development is investigated, the causes of this process are revealed. The article notes the first identification of this concept with such concepts as e-Commerce, file exchange through a peer-to-peer network. We consider the prevention of simplified understanding of digitalization, linking it only with these concepts. The data on the emergence of completely different phenomena, connected with the digitalization in the XXI century, the features of this process in different countries of the world in the context of the existing process of globalization are given. Both advantages and threats associated with the penetration of digitalization into the global space are considered. The benefits of digitalization are linked to the ease of copying, transmission and dissemination of information. The threats to the global space that are caused by the spread of digitalization can be associated with copyright infringement, copying, “piracy”, which ultimately results in the loss of investment. The influence of external political and economic threats that are applied to our country can no longer exclude Russia from the list of business partners in these new conditions of globalization. Digitalization erases all obstacles to cooperation between different countries, including Russia. Empirical analysis. The article analyzes the facts that prove the undeniable advantages of digitalization for all countries. The leaders in the market of IT are revealed, taking into account such indicators as the number of Internet users, convenience/difficulty of access, the availability of analog additions, the developed telecommunications market, which does not exclude the possibility of its further development. It is noted that today they influence the transition of countries from one category to a higher one. In this regard, the classification of countries presented by the Boston Consulting Group (BCG) is relevant. It is based on indicators showing the presence of high technology: the relative level of development of digital operations and GDP per capita, the degree of economic operations’ digitalization. These data make it possible to identify the most developed countries. There are currently no more than six. Results. Taking into account the factors described in the article will contribute to the implementation of the main goal of digitalization penetration into the global space – the achievement of business success in all countries, including Russia. This makes it possible to speak about a new meaning of the concept “globalization” and makes the thesis of “the invisible hand of the market”, i.e. personal interest, relevant again.