Modern technologies and digitalization in the context of development of international finances

The article examines modern technologies and digitalization in the context of the spread of financial inclusion. The issue of glocalization processes in the field of financial market is identified. Modern information systems influencing inclusive processes in a renewed digital society have been studied. The advantages of Internet banking among users of banking services are determined. The active development of the fintech industry in modern conditions has been studied. The adaptation of foreign experience in cyber risk management in the context of ensuring financial inclusion is determined. The main purpose of the study is to describe modern technologies and digitalization in the context of international finance. Systematization of literature sources and approaches to solving the problem is that we conducted an analysis of domestic scholars who gave different approaches to interpreting the concept of modern technology and digitalization in the context of international financial relations. The urgency of solving this scientific problem is that the essence of the concept determines the prerequisites for practical measures for the application of modern financial innovations, including digital innovations, in the international financial market. The research of the topic of modern technologies and digitalization in the context of the development of international finance is carried out in the following logical sequence: the need for the introduction of digital technologies in finance is determined; the glocalizing influence of digitalization on the functioning of the world financial market is proved; the impact of financial inclusion on the banking and insurance markets is determined; the positive features of modern digital solutions in finance, in particular Internet banking, are considered; the issue of improving financial literacy among young people was raised; the issues of international finance through the prism of crypto industry development are considered; the importance of adaptation of foreign experience of cyber risk management is determined; emphasis is placed on the development of international financial relations in the context of hostilities in Ukraine. The last few years of research have been the methodological tools of research methods. The object of research is the processes related to the development of financial innovation and digitalization, because they will ensure the further development of international financial relations in the near future. The article presents the results of an empirical analysis of financial inclusion and access to innovative financial technologies. The study empirically confirms and theoretically proves that the development of international finance is possible only in the context of overcoming non-inclusiveness through the development of modern financial innovations, including digital innovations. The results of the research can be useful for financiers-practitioners, for civil servants, for scientists dealing with financial innovation, for graduates in management and administration

international finances; financial inclusion; digitalization; glocalization; Internet banking; Fintech-industry; cyber threats; banking sector; insurance sector