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The analysis of trading volumes of financial assets of FEC in Russian Federation for the part of private investors has demonstrated that the interest of individuals in the financial markets had increased in 2020. Society's susceptibility to digital finance is closely related to digitalization of brokerage services, which is realized through making adopted for mobile digital platforms and digital products users. Low level of digital literacy of individuals in common on the territory of Russian Federation was not an impediment to growth of digital competences in 2020. The share of brokerage accounts of individuals on Moscow Exchange (MOEX) has increased by 193% in 2020 due to that individuals are looking for alternative ways to save their personal savings against the background of increasing digital financial literacy among the working-age population. Russian brokers are improving the quality of their information and analytical digital resources that aggregate large amounts of statistical information for wide access for interested private investors who have developed digital competencies and want to improve their financial and investment literacy.

The paper aims to analyze the benefits and drivers of economic transformation through the development of human capital using inclusive principles. The study is a continuation of a series of works on modeling the system of labor activity using the factors of knowledge, education, and human capital.  The research methodology includes both quantitative studies of the impact of knowledge and education on economic dynamics, and qualitative studies of the benefits and forces that promote and counteract fruitful inclusive changes. According to the analysis of the field of forces, the factors that counteract inclusive socio-economic changes (educational differentiation, the desire to have wealth and power) have, in general, high strength. The forces that contribute to change are relatively less powerful, but more numerous, which allows counting on the successful implementation of positive inclusive changes.