Digital technologies in households budget management

International Scientific Conference "Digital Transformation on Manufacturing, Infrastructure and Service"

Chumakova, Natalia^1 ; Yarushkina, Elena^1 ; Milovanov, Vladislav^1 ; Saprykina, Vera^1

Southern Management Institute, Stavropolskaya str., 216, Krasnodar

350040, Russia^1

关键词: Budget management;    Business entities;    Digital economy;    Digital technologies;    Finance management;    Financial plan;    Financial products;    General publics;   

Others  :  https://iopscience.iop.org/article/10.1088/1757-899X/497/1/012026/pdf
DOI  :  10.1088/1757-899X/497/1/012026

来源: IOP

【 摘 要 】

The households become in the modern economic paradigm one of the most important business entities, while the personal finance is one of subjects to management. In this regard the article gives consideration to a concept of the households budget, determines a sequence of building a personal financial plan, substantiates that the role of financial awareness of general public increases under conditions of digital economy. At that, it has been revealed that the low level of financial awareness of general public jeopardizes not only the consumption of financial products, but hampers the growth of financial markets, and by the same hampers development of the country's economy as a whole. The article also gives a concept of digital economy and provides analysis of its volumes in Russia, as well as it makes a review and analysis of the main popular solutions used as financial instruments for personal finance management under conditions of digital economy, and the advantages and disadvantages thereof have been identified.