The global financial system is currently at a new stage of its development, which is characterized by the introduction of information and communication technologies in all financial spheres. They allow improving business processes and company management and the process of providing services, as they enable organizations to receive more information about their customers and consumers, therefore, to provide better financial services that meet the requirements of customers.In the process of digitalization of the economy, a large role is played by banking organizations. In the conditions of increased competition in the market, banks are forced to continually improve their activities and introduce the most advanced technologies for carrying out business processes and working with clients. One of the most state-of-the-art technologies is artificial intelligence and Big Data. This technology is a combination of technologies targeted at processing vast amounts of data, and the ability to process fast incoming data in large volumes.

The article deals with the issues of Tatarstan enterprises' changeover to the innovative model of development. The authors describe the dynamics of innovation processes in Tatarstan on the basis of introduction of advanced technologies, analyze innovation activity indicators of enterprises for the recent ten years and classify innovatively-active enterprises according to the types of economic activity. The authors also give a detailed analysis of changes in the input costs pattern for innovation production manufacturing at the enterprises of Tatarstan, assess the dynamics of innovation production shipment by the enterprises for the recent five years. The authors provide some comparative data of the Tatarstan Republic and the regions of Volga Federal District and also provide some managerial recommendations on stimulating the innovation activities on the regional level.

One of the areas of activity in modern economy, where information technology value is traditionally high, is the financial and credit sphere. Computer banking networks provide a communication function and provide access to shared resources. Information systems of credit institutions allow to provide remote customer service. This article examines the peculiarities of banking information systems in Russia and abroad in two main areas: remote banking services and information technologies for the management of commercial banks. The authors have studied into the features of banking information systems in Russia and abroad, and have characterized the above mentioned systems, outlined the current trends in the IT development in credit organizations of modern Russia. The research allowed the authors to drawa conclusion that information technologies play an important role in attracting new customers to banks and ensuring interaction with them.. Information banking technologies directly determine the credit organization's ability to develop business and improve internal processes and customer service systems. In this connection, the article suggests the further development of IT sphere as a factor of improving the quality of services and increasing the profit of banks.

The article shows the factoring application feature analysis in Russia. Factoring represents a range of services for manufacturers and suppliers who conduct trading activities on a deferred payment basis, and it is currently one of the fastest growing financial services. In its development, Russian factoring has avoided crises and everything that many other sectors of the Russian economy have suffered from. In particular, the article revealed that in recent years the market has grown due to the seriously increased interest of banks -in a crisis, factoring is the least risky product, and players began to actively promote it. The article describes the advantage of factoring over a close financial service -a loan. In addition, directions for the factoring development in the Russian economy were also formulated. In Russia, factoring has only recently begun to actively develop and become successful among organizations engaged in trading. As for foreign experience, the use of factoring is growing rapidly in Western Europe, the USA and Asia. Also in this research we have analyzed the dynamics of factoring services in Russia for the period from 2010 to 2018. Despite the problems and shortcomings of this financial instrument, it has development prospects that are connected with the stabilization of external economic factors, the exchange rate and increasing of the resource provision of financial institutions.

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