TRANSFORMATION OF DIGITALIZATION ON THE FINANCIAL AND INSURANCE MARKET
Анотація
The article attempts to analyze the digitalisation of the financial and insurance services market, which began more than half a century ago, and to distinguish its individual phases on the basis of strategic and systemic focus and change in the organizational orientation of transformations. Goal. The purpose of this article is to attempt, on the basis of a critical analysis of the existing literature, to outline the transformational processes in digitalization of the financial sphere. Identify the determinants of insurance and financial services market development. Method. Using the methods of theoretical level of research, namely abstraction and generalization in the definition of fintech and insultech, historical method and method of analogies in the process of studying the evolution of the digitization of the financial and insurance services market. Results. The main elements of acceleration of data transformation for the financial sector are highlighted, as well as three areas that reflect the transformation of financial and insurance market digitization in the last decades and five separate phases of the evolution of financial and insurance market digitization.
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