Digitalization is an integral part of global change in the world economy. The successful creation and functioning of a digital economy are possible only in an adequate digital ecosystem. The main criterion for the formation of a digital ecosystem is the maturity and stability of its institutional environment, including the totality of new institutions. The creation of digital institutions is a new phenomenon of institutionalization and accompanies the introduction of digital technologies in the digital ecosystem. The article defines the concept of institutionalization in connection with the analysis of the economic interests of business entities operating in the regions of Russia. The definition of digital institutions as new social institutions in the digital age is formulated. The structure and basic elements of the institutional regulatory environment of the digital ecosystem that is necessary for regulating digital transformations in the digital ecosystem are determined.

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Business modeling is an innovative form of representation of inter-firm interactions of enterprises and organizations, united by formal and informal economic relations. The business model is a graphic illustration of the structure of these relations, helping to understand their logic and complexity in the context of globalization. Networking and clustering are the responses to the global challenges of the external environment. In these conditions, new variants of an interaction of economic agents arise in conditions of uncertainty and risk. The most common form of intrafirm interaction in the conditions of one territory is clustering, which, as practice shows, have network structures. In our opinion, the purpose of the regional cluster as a network is to implement the key competencies of the territory and improve the quality of the economic situation in the region by improving the business climate of the environment. There are many efforts of scientists and business practitioners to design and make configurations for illustration of the cluster's relations and interactions. The main goal of this article is to show a new way of graphic design of clusters from the position of ecological approach instead of the UML. The article describes the configuration of the cluster business model in its interpretation as an innovative network ecosystem. Theoretical views about the cluster were extended in the direction of the configuration of its business model and the definition of its main structural elements. Particular attention is paid to the partnership interaction of the main groups of economic agents in the cluster, which include: key business structures, key educational organizations, key research organizations, and the state.

Activities to increase the availability of financial services are the primary task of the state economic policy. The formation of an active consumer of financial services is possible through the development of entrepreneurial activity among residents of remote areas, whose sparse population can become a competitive advantage. World experience in rural tourism development has shown that it is the sparsely populated, remote rural settlements from industrial centers that make them attractive for potential users of tourist services that are supplied by local people: tourist accommodation, catering, souvenir production, etc. This article presents the results of a study of the level of physical accessibility of financial services for residents of the Pozharsky district of Primorsky Krai, as well as their level of satisfaction with financial products and services. The study was conducted in 2018-2019. The main goal of the article is to examine the problems of ensuring financial affordability in remote, hard-to-reach and sparsely populated regions by the example of Pozharsky District, Primorsky Region of the Russian Federation. Measures are proposed to increase the availability of financial services through the development of entrepreneurial initiative of the inhabitants of the region.

Among the existing variety the problem of comparison of several samples of automotive equipment capable of performing their functions under certain conditions and under the specified operating conditions often arises, and, consequently, the problem of choice of the optimal design solution. This entails the need to develop a methodology for assessing the quality, which would make it possible for each sample under consideration to match a quantitative indicator displaying its operational properties and functionality. In this study, the authors set themselves the following goal — developing a universal methodic that allows to calculate the mobility index of automotive equipment considering only the structural features, that is, in the conditions of their operation on a solid road surface without taking into account the conditions of rough terrain. Based on analytical data displaying the technical characteristics of the machines, such as speed, braking and traction properties, controllability and maneuverability, stability, smoothness, patency, etc. empirical criteria are constructed, then the simplest indicators are aggregated into integral one, taking into account the weight of their contribution to the mobility indicator. Using the obtained methodology, the mobility indicators for a number of models of wheeled all-terrain vehicles were calculated, the ranked vehicle series are given according to this indicator.