Formation of Household Finances in the Russian Federation in the Context of Digitalization

Abstract

The relevance of the problem under study is due to the need to introduce information technologies in various spheres of activity and their impact on the development of household finances. In this regard, the purpose of this article is to identify measures that increase the impact of digitalization on household finances and to develop indicators that characterize the effectiveness of household income from the use of digital technologies. The leading method of researching this problem is regression analysis as a proposed tool for testing the model of modern technology use in the economic and financial spheres, which allows us to consider this problem as a process of changing indicators that directly affect household finances. Results of the study: it is concluded that household income can change under the influence of various variables such as information and communication technologies; it is determined that the following indicators are used to assess the level of ICT: index of innovative development, index of government spending on innovation, index of workability of technological inventions; the tendency of improving ICT indicators and their positive impact on the development of the labor market and information environment is revealed; it is determined that the resultant indicator is influenced by the following indicators: index of innovation development, index of government spending on innovation, index of workability of technological inventions.

Keywords

• digital transformation
• digitalization
• digital economy
• household finances
• formation process
• testing tool