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The goal of research is to consider the main trends in the financial technologies development and to analyze the reasons for their active penetration into the financial services sector. The evolution of financial technologies development is considered and it is concluded that there is a significant expansion of their scope. The factors affecting the financial technologies development are named. The world practice of regulating the financial technologies sphere is analyzed. It is primarily aimed at supporting the development of educational projects in this area, as well as stimulating the establishment and functioning of technology companies. The problems that constraint to the financial technologies expansion in the Russian Federation are identified, and recommendations for their solution are given.

The aim of the paper is to study financial technologies as a tool of digital economy and identify the factors that influence them. Approaches to study the definition 'financial technology' are systematized and the basic prerequisites conducive to their development in the world are determined. The factors influencing the development of financial technologies are analyzed. The risks that hinder advancement of financial technologies in the Russian Federation are identified; it is concluded that the development of financial technologies should be accompanied by a transformation in the field of education, providing training for specialists required in digital economy.