Lobacheva Ekaterina S.

Over the past few years, the Russian economy has been exposed to many challenges, which include fluctuations in inflation and the exchange rate, as well as all possible sanctions from Western countries, and accordingly, a thorough analysis of the consequences of raising the key rate of the Central Bank of Russia (CBR) is relevant in the process of studying the impact of monetary policy on various sectors of the economy. The purpose of this study is to identify the key factors contributing to an increase in the key rate, and is aimed at assessing the impact of this growth on the business environment and the quality of life of society as a whole. To achieve this goal, it is necessary to consider the consequences of an increase in the rate for small and medium-sized enterprises, as well as for consumer lending, with regard to the financial well-being of the population. The results of this analysis indicate that the positive dynamics of the key rate leads to an increase in the cost of loans, and consequently a decrease in the availability of borrowed funds and a reduction in consumer demand. Such consequences create additional difficulties for the business, leading to a revision of the financial and investment management strategy for the latter. This means that it is important not only to analyze the consequences, but also to offer recommendations for adapting to new conditions, and understanding these processes can become the basis for developing more effective solutions both at the level of an individual business and at the level of public policy. Thus, this study is aimed at updating issues related to changes in monetary policy and helping various economic participants adapt more quickly to new realities.

The article examines the current trends in the digitalization of the banking sector, analyzing the impact of new technologies on banking services and operations, which is an integral part of the modern world and is actively developing in Russia. The article is aimed at researching the digital maturity of banking organizations and their readiness for global changes within the framework of digital transformation. The author draws attention to several key aspects, such as fast payment systems (SBPs), payment stickers, Buy Now Pay Later (BNPL) and the introduction of the Digital Ruble. The relevance of the study is to identify the importance of digital technologies to improve the efficiency and convenience of financial transactions, and considers their potential and possible risks. The methodological base of the study is based on the analysis of data from information and analytical reviews of the SDI360 digital audit agency together with experts from partner companies. In general, the article provides an overview of current trends in digitalization in the banking sector and emphasizes their importance for the development of the industry. The practical significance of this article lies in the fact that it will help banking professionals and managers to better understand current trends in digitalization and their impact on the banking sector. This will allow them to make more informed decisions when developing and implementing digital strategies, as well as improve the quality of services and operations provided. The scientific significance of the article lies in the fact that it provides an analysis of current trends in digitalization in the banking sector based on current data and research. This can be useful for scientists, students and anyone interested in the development of the banking industry in the context of the digital economy. The article can also serve as a basis for further research in this area. Thus, the article on current trends in digitalization in the banking sector has both practical and theoretical significance, contributing to the development of the banking industry and scientific understanding of digital transformation in this area.

The article examines the role of the regional bank Center-invest in promoting ESG (Environmental, Social, and Governance) strategy that promotes sustainable development and environmental protection. It describes the impact of the green economy on business and society, as well as measures taken by the bank to support environmental projects and investments in renewable energy sources. The authors emphasize the importance of joint efforts of all members of society to achieve global environmental sustainability.