Headings of the journal
"Economics and Management"

Annotation: The article is devoted to relevant issues of healthcare transformation in modern conditions of digitalization and widespread implementation of information technologies. The article contains a comprehensive view demonstrat- ing the forming of digital systems in the field of healthcare through the creation of a national digital platform for the interaction of all healthcare participants. Digital transformation implies a change in the nature of interac- tion between three main categories – medical institutions, doctors and patients. The introduction of technology increases the level of “digital maturity” of the healthcare industry and stimulates domestic manufacturers of medical equipment and software. The article presents the dynamics of investments in Russian digital healthcare and provides an analysis of the state financial and economic support for the digital healthcare platform. The structure of the republican budget expenditures on healthcare of the Eurasian Economic Union allows for a comparative analysis of the participating countries not only by year, but also in comparison with each other. As a result, conclusion has been drawn indicating the need for further development of digital technologies to integrate healthcare into a modern innovative environment.

Annotation: The article examines the key structural changes in the Russian hospitality market and their impact on the strategic transformation of domestic hotel chains. The study identifies the general definition of market structural changes and strategic transformation, analyzes statistical data and financial reports, and conducts a comparative analysis of the room inventory volume of hotel chains. The findings indicate significant growth in Russian hotel chains driven by market structural changes. The role of government initiatives, such as the national project “Tourism and Hospitality”, and regulatory measures in supporting the industry is highlighted. Special attention is given to the adaptation of hotel chains to new travel trends. In conclusion, the study establishes that market structural changes have simultaneously posed challenges and served as catalysts for strategic transformation and import substitution in the hotel industry. The research findings can be used for further strategic planning in the develop- ment of the hotel business in Russia, as well as for shaping adaptation strategies in response to evolving market conditions. Additionally, the results may be valuable for regulators and the academic community specializing in tourism and hospitality research.

Annotation: The relevance of the topic of this study is due to the fact that the digital transformation of the banking business has allowed customers around the world to reach a new level of accessibility and convenience, but this change has been followed by a number of new threats in the field of cybersecurity. Financial institutions must be prepared for the threats posed by intruders, who are constantly developing new strategies to take advantage of the short- comings of banking systems. The purpose of the work is to study potential cyber threats existing in the banking sector in order to develop methods for their identification and counteraction. The article shows the difference in the concepts of cyber threat, cyber-attack, and cyber representation. The types of cyber risks in the banking sector have been studied. Significant examples of cyber-attacks on Russian banks are analyzed. Based on the conducted research, the directions of minimizing cyber threats in the Russian banking sector are presented. It is noted in the article that despite the constant emergence of new and improved old methods of cyber-attacks, knowledge of the types of threats can significantly reduce their implementation with the right security controls, which gives organizations a higher level of cyber resilience.

Annotation: The article examines the current state of the Russian banking sector, which is characterized by the uneven forma- tion of the resource base of commercial banks and the intensification of lending policies. The author systematizes the internal and external factors affecting the development of the banking sector, including: the availability of a customer base; the reduction of the key interest rate to 18%; the low investment attractiveness of deposit operations; the increase in the supply of corporate loans; and the tightening of the Central Bank of the Russian Federation’s monetary policy. The analysis of the assets and liabilities of the Russian banking sector reveals that net profit is increasing, while the liquidity of commercial banks’ assets is decreasing. The identified trends in the growth of borrowers’ debt burden indicate a priority increase in the credit debt of non-financial companies, which requires optimization of the structure of loans under targeted loan agreements. The article examines the problems of functioning of banking sector entities, as a result of which practice-oriented solutions are formulated to improve the efficiency of commercial banking development in a risk environment.

Annotation: The article describes the stages of development of the digital financial assets market. The chronological sequence of development of the digital financial assets market is described, and the regulatory framework regulating the issue and circulation of digital financial assets are considered. The analysis of the digital financial assets market is carried out, within the framework of which the volume and number of issues of digital financial assets in the period from 2022 to 2023 are considered. The forecast for 2024 by volume and number of placements is presented, information system operators are analyzed by volume and number of transactions, leaders are identified, issuers are analyzed by number and volume of issues, market shares of leading issuers by volume of outstanding issues are considered. An example of the practical application of various types of digital financial assets by companies (digital financial assets for the right to demand money, hybrid digital financial assets, digital financial assets as a tool for motivating employees, digital financial assets for a non-interchangeable token, digital financial assets for the market value of an asset, digital financial assets for the market value of an asset with guaranteed income) is considered. The article presents visible prospects for the development of the digital asset market.