Scientific Journal of KubSAU

The article defines the main principles of formation of the digital economy of Russia, giving opportunities for the Russian market, allowing more flexibly and effectively integrate with global markets. We have given the expected effects of the formation of the digital economy. We have presented tendencies of global information integration, enable us to significantly expand the Russian it market and the market of financial technologies. The influence of the ecosystem of the digital economy for the modernization of the banking sector. Today one of the major players in financial markets of the Russian Federation of Sberbank of Russia shows the largest percentage of innovation. Thanks to the use of artificial intelligence in making decisions during the first half of 2017 Sberbank of Russia earned 371 million, higher than last year by 38%. In the future Sberbank plans to fully move into the digital space and create a new banking platform. The study highlighted opportunities offered by the ecosystem of the digital economy: the globalization of the world economic space; the blurring of the boundaries between the economies of developed countries; a significant proportion of global investment in research projects and technology start-UPS dedicated to artificial intelligence, robotics, big data technology; a high percentage of use of new information technologies and cloud computing in the economy. And also, the possibility of using digitalization for the whole new level of human development

In the article we present a concept of the introduction of information and communication technologies into the system of public administration on the territory of the Krasnodar region. The concept is one of the major factors providing the most optimum performance and realization of the priority tasks aimed at the development of interdepartmental interaction on the basis of electronic document flow on the territory of the Krasnodar region

The article deals with trends of development of the banking sector in agro-industrial sector of economy. It is confirmed that the Internet is a source of information not only about the client, but also information about bank, about problem points of its growth. It is important that the bank was able to hear the client, to change and to be responsible for the mistakes. Important elements of feedback are considered. The analysis of distribution of appeals on channels of receipt is carried out. Important principles of work with client on the Internet are determined: openness and simplicity in work with client; speed of reaction to publications; lack of tough speech scripts; universality of specialists; individual approach; innovation; management of flows of feedbacks; promotion. The discount is provided for a feedback of any tonality, it is gratitude to the customer for the time which he doesn't regret for writing of feedback about the company. The department of client service will be able to react to complaints of any tonality and to work with client appeals of arriving from any sources such as phone calls in call center, written complaints, and responses from the website of the company because client feedback through Internet resources as a source of customer information and work of bank is important

The article analyzes trends of the modern information technologies and approaches to engineering. Information technologies are effective in all areas and fields of activity; they provide steady growth rates, increasing competitiveness of the organizations