This research describes features of the development of Internet banking and mobile banking in the retail segment of the Russian banking market. Data on the share of remote access accounts opened in credit institutions for individual customers and the dynamics of payments using e-banking and banking is analyzed. Features of the development of e-banking and m-banking in Russian federal districts are considered. The comparison of the banking system in 2014 and in 2018 is presented. Features and problems of the development of e-banking and m-banking in Russia are revealed.

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The article is devoted to the environmental situation. The main indicators characterizing the development of agriculture in the Kemerovo region are considered. Such problems of the development of agriculture in the Kemerovo region as a decrease in the share of agriculture in the gross regional product, a decrease in the volume of agricultural production and acreage are identified. The results of laboratory monitoring of the physico-chemical indicators and the physicochemical parameters of the soil are confirmed that the territories with developed industrial production are mostly characterized by the failure to comply with the standards for the physicochemical parameters of the soil. The possible directions of ecologization of agriculture in the Kemerovo region are shown.

The availability of online financial services is becoming increasingly relevant in the context of the digital economy. On the one hand, they are easily assessable and not time-consuming. On the other hand, there is insufficient financial literacy and incomplete Internet coverage of remote areas – the obstacles that have to be overcome. The research objective was to evaluate availability of online financial services in remote access. The study featured the relationship between consumers and financial institutions in the process of implementing financial services in remote access. It was based on empirical, monographic, and abstract-logical research methods. An analysis of empirical data showed that most respondents could choose remote banking services. Fewer respondents had access to online services of insurance companies and other financial institutions. Respondents complained about various problems in obtaining remote access to financial services. The authors believe that the research can help improve regional financial programs and encourage further studies of local financial availability by increasing financial literacy, full Internet coverage, and confidence in financial institutions.

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