The article presents the results of a study on the need for the development of integrated state regulation of digitalization processes. The authors explore actual trends of digitalization of economic processes in the context of economic branches; systematizing scientific statements about the benefits of digital technology; summarize the existing practices of digital processes regulation in Russian Federation at the state level; reveal the specifics of the development of digitalization in the region of the Federation in terms of legal regulation, financing methods and tools to stimulate the development of digitalization. On the basis of the conducted research, there were identified shortcomings in the legal framework for digitalization at the federal and regional levels, to eliminate which the authors justify the need to form financial instruments to stimulate the development of the subsidiary responsibility of the Federation and regions; development of public-private partnerships to stimulate the necessary processes at small and medium enterprises; improving regulations and implementation practices of participatory budgeting to ensure citizen participation in the implementation of the budget process through the use of digital technologies.

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The topic of digitalization of the economy is one of the most popular topics, and the digitalization of financial services is almost the driver of its development. At the same time, digital technologies have gained the greatest popularity in financial services in the banking sector. As the analysis showed, insurance is one of the less "digitized" areas not only in Russia but also abroad, which is due to both the least interest of insured persons in the transparency of their life and the lack of the ability of insurance companies to invest free financial resources in digital technology. If we consider the Russian experience, the lack of financial opportunities for insurance companies is largely due not only to weak support from the state, but, on the contrary, to an increase in the regulatory burden on the insurance business. Therefore, not all Russian insurance companies are ready to use digital technology. However, for the further development of the insurance sector, new growth points are required, which are primarily associated with a decrease in the cost of the insurance policy. It is possible to ensure a reduction in the cost of an insurance policy both by reducing the amount of insurance coverage by policyholders (buying policies with a franchise, buying policies without intermediaries, purchasing policies with proportional liability), and by reducing costs by the insurance company itself. The use of digital technologies by insurance companies (smart contracts, telematics, blockchain, aggregators and price comparison services) can combine both directions and reduce the cost of insurance policies. Insurance telematics in this direction is the most promising and allows determining the risk level of the insurance company client more efficiently, respectively, more effectively carry out risk selection, and reduce the cost of the insurance company to maintain insurance underwriters in the staff, which will lead to the possibility of switching to robotization of this (underwriting) process and improve the efficiency of the insurance business. In this article, the authors revealed the specifics of digitalization of the Russian insurance market, examined the problems and prospects of development of insurance telematics in Russia, taking into account the financial capabilities of insurers.

In this study the authors examine how socially oriented non-profit organizations are involved in the processes of creating conditions for harmonious personal development in contemporary realities. The financial aspect, which is directly linked to the increase in funding from public funds and organizations, contributes to this degree. As human life consists of three main components, such as physical needs, social needs and spiritual needs, we consider it necessary to take a closer look at social needs, which include the need of culture, education, leisure and tourism, which can be provided by non-profit organizations.