Today, the world financial and banking system is primarily digital electronic payment systems of the economy, cryptocurrencies and without intermediaries due to the rapid growth of the market share of elements such as lending revolutionary changes are taking place. First of all, the rapid growth of mobile payments and credit volume is observed. It is known that, unlike traditional fields of activity, the market value of Internet companies does not have any material basis, and the more useful information the company has collected, the more it can produce a product or service will be cheaper. Currently, it does not have its own offices and ATMs rapid growth in the number of digital banks and financial institutions being observed. In this article, the role of the digital economy today and in the context of the digital economy information on ways to further reform the banking system is provided.

Digital product, digital service, digital innovation activity

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