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The article shows that the concept of "de-offshorization" is interpreted in the economic literature. On the one hand, de-offshorization is seen as a fight against offshore or tightening control over operations in offshore areas, and on the other as facilitating business environment and as a factor of development of the national economy. However, these approaches are not contrary to the understanding of the de-offshorization as a State policy aimed at improving the tax, legislative, enforcement and information sphere of activity of economic entities to reduce capital flight and repatriation. The analysis of the objectives and characteristics of the formation of offshore zones in the world and it is concluded that in general the offshore zone, favorable tax to optimize international economic cooperation, including trade and entrepreneurship. The article stresses that Russia currently has two approaches, the adherents of which have opposing views on combat offshore. Some consider that the need to impose a ban on business that manages the Russian business from foreign jurisdictions and prints there. Others are convinced that first of all it is necessary to improve the conditions for business in Russia, and then to demand the return of money. The authors offer a comprehensive solution to the problem of de-offshorization of the economy, which, in their view, should include not only economic, but also political, institutional, legal, fiscal and administrative components. In General, to ensure a stable, clear, transparent and objective rules of business in all sectors, to make the illegal withdrawal of capital/assets in offshore areas has a reputation and uneconomical. To this end, to take practical measures aimed at improving the transparency of the offshore business. In particular, the promising directions of the de-offshorization the Russian economy with international experience are defined: development and improvement of the financial, fiscal, institutional and legal and administrative spheres in order to attract foreign investment in the Russian Federation; minimization of offshore operations of business entities with State participation; optimization of the Bank of Russia activities as megaregulator of financial markets in Russia; expansion of Bank activities with Russian participation abroad to ensure the economic needs of business entities.

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Subject. The article considers the direction and scope of information technology (IT) usage in the financial sector. Objectives. I review the achievements in the financial industry and threats associated with the use of new technologies. Methods. The study employs methods of comparative analysis, systematization, classification, analogy and comparison. Results. The paper describes the application of IT technologies in the banking business, including its traditional branches. I consider the possibility of banks to earn money in the traditional capacity of an intermediary in the environment, where investments can be attracted and implemented directly, using mobile applications; when payments are significantly cheaper, the cryptocurrency appears, and anyone can easily make conversion. Conclusions. I believe, it is a middle of digital transformation. It is not yet clear, where this path will lead. The States explain their demands by taking care of consumers and by drawing conclusions based on past crises. It is possible that these approaches will form a basis of a new international monetary system, which will replace the current Jamaican one.

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