ENSURING THE SMOOTH OPERATION OF PHYSICAL TECHNOLOGY COMPANIES IN DISTRIBUTED ENVIRONMENTS

Abstract: In scientific research, the development of FinTech Innovations is often associated with an increase in the level of financial inclusion of households. A common problem with traditional financial intermediaries and financial systems in general is that certain categories of individuals, for various reasons, do not have access to financial services or can only use a limited list of them. An example of financial exclusivity in this case is the inability of a person to obtain a loan on acceptable terms. Financial inclusion involves the inclusion of an individual in the system of financial relations with access to a wide range of financial services. The system of financial relations of households covers both internal financial relations formed in the household itself between its members and in relation to the management of personal finances of a person, and external ones, including financial relations of the household with the state, enterprises, financial institutions, and other households. The problems of financial inclusion are the subject of research by both individual scientists and various international institutions and organizations, including the World Bank, the International Monetary Fund, the Alliance for Financial Inclusion, and the Global Partnership for Financial inclusion). In addition, statistics on financial inclusion are collected and analyzed by international organizations such as the Organization for Economic Cooperation and development, the Basel Committee on Banking Supervision, the Financial Stability Board, and others.