In the article, we analyze the impact of artificial intelligence (AI) on banking development. Banks implement AI to provide digital assistance and financial advice to clients, measure their financial standing etc. The paper also includes cases of the AI solutions marketing and some ideas of brand-new banking AI-based services. Despite the rapid spreading of AI across the different spheres, its efficiency is based, primarily, on consumers` attitude and loyalty to this technology. Our research shows that Russian business and consumers perceive AI in a positive light. Sberbank specialists have a positive attitude to the AI implementation in their work, consider these solutions as assistance in performing routine operations and are not afraid of dismissals. They use AI solutions both at work and in everyday life. The emerging fears are associated with possible technical failure, unauthorized transmission of personal data, lack of privacy, and unexpected consequences of AI implementation. However, in general, experts understand that the future of the financial sector is connected with this technology. According to Sberbank employees, consumers tend to demonstrate a certain level of mistrust to AI, which could result from misunderstanding of how this technology works, and what impact it has on their ways of life. Meanwhile, the level of AI resistance from both sides decreases with time. Therefore, state and financial mediators could create necessary conditions for banking development based on modern technologies.

Abstract. We attempt to examine the technology of «information warfare» in this paper. The dominant theme of the paper is that the outcome of the information warfare is important not only for the future of a state itself but for the future of the world balance of forces. The main task of geopolitical actors in information warfare is to introduce ideas corresponding to their interests into mass consciousness. All participants of political conflicts have common features in technologies of Information warfare. The information anomie is the indicator of the great geopolitical actors' personified interests on the stage of «information warfare» -the process resulted in destroying the communicative line: report-informationunderstanding and disrupting the social order in society. In this paper authors describe the following Information Warfare technologies: "Political volcano" technology; "SPIN" technology; "Widening media resource" technology; "specific gravity" technology; "Cold War 2.0" technology and Information cleaningup technology. It is assumed that in the future there will be new instructions on applying technologies of information warfare. To impart perspective to the paper we consider examples, opinions and trends.

Abstract. The paper considers macro parameters of corporation innovation activity in the BRICS countries. The authors determine transnational corporation behavior strategies in the context of creating and transferring new knowledge, where developed countries (the USA, European countries and Japan) play an important role and take a leading position in this process. Companies from emerging economies focus on using and adopting innovations. The reason for this is that knowledge "is coded" specifically, consequently the participants of its exchange have to be in similar intellectual space. Nevertheless, the market-leading corporations from the BRICS countries join the world chains of innovation creation, building their networks to satisfy their branches needs concerning technological decisions and personnel training

Актуальность исследования заключается в том, что в современных условиях для работодателей большое значение имеет минимизация затрат на адаптацию выпускников системы высшего профессионального образования. В процессе обучения студенты приобретают знания, умения и навыки, но при этом у них формируется определенный тип поведения, препятствующий достижению качественного результата в определённый срок. Это возникает благодаря коммуникационному барьеру, появляющемуся в ходе адаптации молодого сотрудника на рабочем месте. Цель работы: выявить недостающие компетенции в профессиональном образовании IT-специалистов и разработать карту их развития в проекте «Академия Умн ый Мир » (томская IT-компан ия «Умный Мир »). Методы: анализ конкурентной среды рынка профессионального образования IT-специалистов, метод интегральных оценок для анализа акселерационных программ томских работодателей, карта компетенций. Результаты исследования потребностей работодателей и трендов в профессиональном образовании IT-специалистов позволили составить карту необходимых компетенций. Основными недостающими в образовании компетенциями стали «мягкие навыки», особенно это касается способности работать в команде. Эти компетенции являются универсальными для начинающих специалистов и выпускников вузов, а их развитие представляет собой интерес для IT-сферы и бизнеса. Составленная карта компетенций позволит томским IT-компаниям подбирать сотрудников и влиять на их дальнейшее профессиональное развитие, а для университетов данная карта является ориентировочным профилем выпускника, подготовка которого увеличит востребованность у работодателя. В итоге создаются условия для преодоления структурного разрыва между потребностями работодателей и профессиональным образованием IT-специалистов.

In the article, the authors analyze behavioral practices and consumer strategies of digital resistance. They aim to identify the ways to minimize the adverse effect of digitalization. The general framework for this study of digital resistance is the diffusion of innovations theory, which explains resistance to digitalization as an inevitable process that flows simultaneously with and antagonistic to digital innovation. The research is based on the materials of a preliminary in-depth interview about the level of consumer resistance to digitalization. The article proposes an original methodology for measuring the level of readiness to adopt digital innovations. It also shows the results of its testing on a small quota sample. The methodology is a tool to test a potential consumer’s willingness to adopt general and industry-specific digital.