The goal of the research is to define the prospects of further digital growth in Russia and to assess the current state of national digitalization. Global digitalization is an ongoing tactical project for the introduction of new technologies in all areas of activity, as well as a strategic direction that will influence Russia’s future position in the world. Currently, the level of development of digital processes in our country is at the middle or low level (judging by some parameters). The article presents a cross-country comparison of various indicators and indices of digitalization. Methods used for the research were comparative analysis, analysis of legal documents, system analysis of sources. Apart from cross-country comparison, the article compares digitalization processes, financial inclusion and growth of financial literacy among the population. As a result of the study, a conclusion about the interconnection of these processes is made. Thus, the digitalization contributes to the growth of the financial inclusion level, and, on the other hand, financial literacy contributes to financial inclusion, while the indicated inclusion stimulates the growth of the GDP. In addition to that, active use of digital services, being the foundation of national digitalization growth, is observed among the population with economic interest and availability of free savings. The authors believe that further digital growth requires higher economic interest of the population in these processes. The research results can be reasonably applied when planning state programs for the development of digitalization. The overall digital development of the state is shaped by the development of these processes in the regions. This requires consistent work at the level of the said regions that are very dissimilar, both economically and digitally. Assessment of “digital maturity” of regions is a long-run objective necessary for effective monitoring of national development goals.

The results of the study conducted by the authors show a low level of insurance culture in Moscow, a high level of fraud by unscrupulous market participants, imposition of insurance products on customers, a low level of profitability on accumulative insurance and investment insurance programs, which leads to a low level of consumer trust in insurance products. These problems mentioned above allow us to talk about negative image of insurance companies and high reputational risks. At the same time, existing studies prove a stable relationship between reputation and image management and gaining client’s trust, which as a result, affects the profitability of insurers. Regional features cause significant differences in the degree of development of insurance market in the Russian Federation. In this regard, it seems relevant to develop a comprehensive indicator that could characterize dynamics of shaping a positive image of the insurance industry, as well as its comparative intercountry and interregional position. The authors propose a methodology for the calculation of the index aimed at image assessment of the insurance industry, which takes into account dynamics of voluntary insurance market, competition, market concentration, consumer loyalty index, as well as level of digitalization of the insurance market in the region. The results of the assessment of insurance market index of the Russian Federation for 2020 made it possible to conclude that image of the insurance industry in the eyes of consumers is not high. Gradual development of positive image of insurance market is possible through focused campaigns aimed at youth, stimulation of the use of digital channels and services, financial literacy improvement and financial culture development.