The logistics approach to perspectives for the digital technologies in Russia

Financial technologies (fintech mechanism), along with regulatory technologies (RegTech mechanism), being innovative socio-economic phenomena dynamically developing both abroad and in domestic conditions, can be considered as financial and information categories arising from the formation of needs of the financial market in adaptation mechanisms to the conditions of the new technological order of Industry 4.0. The purpose of the study is to identify the role of digital finance in the domestic financial system in the context of the digitalization of the economy and the directions of development of legal regulation of modern financial technologies. As a result of the study, prospects for the further development of the FinTech and RegTech mechanisms in the Russian economy were identified, taking into account the features and prospects of the development of the FinTech and RegTech mechanisms in Russia. It was shown that the digital financial cube can be expanded by including a new characteristic of digital assets, reflecting the degree of openness of industrial enterprises in the new technological structure of Industry 4.0. As a result, it could be predicted the interpenetration of both technologies of the financial sector of the Finnet direction and BIM technologies of the Technet direction with those technologies being different in their nature. Fintech mechanism could be treated as an effective instrument for managing the financial resources from the point of view of the logistics methodology. With the purpose of the logistics theory being the development of methods and models of effective distributing the financial flows, the logistics approach to managing the financial resources considers the calculation of expenditures caused by financial decisions regarding the investments, debts, deposits and especially operational activities. The main problem of logistics approach relates to the assessment of interconnection between the material resources flow and cashflow. However, the digital financial technologies enable to make various appraisals being immanent part of logistics models.