PROBLEMS, PROSPECTS AND RISKS OF THE DIGITAL INNOVATION USE IN THE FINANCIAL AND REAL SECTORS OF THE NATIONAL ECONOMY

Olena Shyshkina
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Abstract

Digital innovations are an integral part of the modern world, the application of which will allow the subjects of the real and financial sectors of the national economy reducing the costs for the produc-tion of goods (works, service), improving the quality of the services provision and their availability and competitiveness, and increasing the efficiency of the functioning and development. Digital innovations are rapidly changing all spheres and types of the socio-economic life of society, creating the opportuni-ties for all consumers of digital products and services. However, the development and implementation of the innovative technologies gives rise to new challenges and tasks, and causes financial, informa-tional, investment, innovative and other risks that can lead to the financial instability and the increase in the informational danger of the economic entities, which requires a scientific study and the develop-ment of an appropriate response measures.The purpose of the article is to study the problems and prospects of using digital innovations in the activities of the subjects of the real and financial sector of the economy, including industrial enter-prises and financial institutions.In the article, the essence and content of the digital innovations are examined, and their role in the functioning and development of the subjects of the real and financial sector of the economy is studied. The main approaches to the definition of the digital innovations are identified, which include techno-logical, functional, conceptual, user, socio-economic, business process, and their advantages and dis-advantages are determined; their areas of the application in the financial sector and the real sector of the economy are outlined. The main types of the digital innovations used by the industrial enterprises and financial institu-tions have been identified and characterized according to the following classification features: depend-ing on the specification, direction of implementation and development, nature of implementation, level of the user’s experience, level of regulation, complexity, level of integration with the existing systems.The main risks of using digital innovations in the activities of such subjects of the real and finan-cial sector of the economy as industrial enterprises and financial institutions have been identified and investigated. The main problems and prospects of using digital innovations by industrial enterprises and financial institutions in the conditions of risk and uncertainty are summarized.
数字创新在国民经济金融和实体领域应用的问题、前景和风险
数字创新是现代世界不可分割的一部分,数字创新的应用将使国民经济实体和金融部门的主体降低商品(工程、服务)的生产成本,提高服务提供的质量及其可得性和竞争力,提高运作和发展的效率。数字创新正在迅速改变社会经济生活的各个领域和类型,为数字产品和服务的所有消费者创造机会。然而,创新技术的开发和实施带来了新的挑战和任务,并引发了金融、信息、投资、创新等风险,可能导致经济实体的金融不稳定和信息危险的增加,这需要科学研究和制定相应的应对措施。本文的目的是研究在经济实体和金融部门(包括工业企业和金融机构)主体的活动中使用数字创新的问题和前景。在本文中,研究了数字创新的本质和内容,并研究了它们在经济实体和金融部门主体的功能和发展中的作用。确定了数字创新定义的主要方法,包括技术、功能、概念、用户、社会经济、业务流程,并确定了它们的优缺点;概述了它们在金融部门和实体经济部门中的应用领域。根据以下分类特征,对工业企业和金融机构使用的数字创新的主要类型进行了识别和特征描述:取决于规范、实施和发展方向、实施性质、用户体验水平、监管水平、复杂性、与现有系统的集成水平。已经确定并调查了在工业企业和金融机构等经济实体和金融部门主体的活动中使用数字创新的主要风险。总结了工业企业和金融机构在风险和不确定性条件下使用数字创新的主要问题和前景。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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