The scientific article is devoted to the study of the main trends in the development of banking in Russia to develop a strategy for credit organizations. The relevance of the study is determined by the active process of incorporating innovations and digital technologies in banking that transform the entire sector. The relationship of the impact of globalization and digitalization on the formation of banking trends is considered. The author analyzes the development of a strategy for commercial banks taking into account the latest banking trends by integrating with fintech startups and by developing their own technologies and innovations. The advantages and disadvantages of each approach are highlighted.

We carried out the analysis of cluster development in EU Member States, based on the reports of the European Center for Research on Clusters and Industrial Change and the European Center for Innovation in Services. We identified directions of support and differences within each direction. In article, we determined the criteria for evaluating clusters by the example of the USA, China, South Korea and other developed countries of the world. We proved that the economic development of regions depends on the effectiveness of the exchange of experience at the cluster level. The study evaluated the results of support for regions in industrial development. We considered the strategies of cluster transformation and made conclusions about introducing a regional aspect as mandatory in the cluster policy of all developed states.

The key problems are considered in the article and the prospects for investment in the digital modernization of modern industrial enterprises are determined, the innovative direction of the development of domestic high-tech industries in the current global digitalization of the economy is emphasized. The novelty and scientific value of the work lies in the fact that the use of the author's scientific and practical approach has allowed to identify key problems and determine the prospects of investment investments, a prerequisite for the effectiveness of which for investors is the innovative direction of development of domestic high-tech industries in the context of the ongoing global digitalization of the economy.

Over the past decade, financial technology has shown rapid development. There was a lot of discussion about what constitutes the field of financial technology and whether such technologies can replace the traditional financial market in the future. The global financial crisis of 2008 showed that the classic monetary policy instruments are not effective. Due to the fact that financial technologies are developing rapidly, the number of relevant and modern research on this topic is limited. So, the study of this issue is an urgent problem.

This paper describes the opening of a crossfit center in Moscow. A deep study of the project was carried out, starting from the choice of the location of the new center and ending with the calculation of the economic effect. When modeling business processes, we used MS Excel.

A scientific article is devoted to the analysis of the role of insurance in the management of receivables of enterprises of the economy of the Russian Federation. The relevance of scientific research is associated with the ongoing process of increasing the size of receivables from domestic organizations. The theoretical aspects and fundamentals of accounts receivable insurance are considered. The advantages by which insurance is one of the most relevant methods for managing receivables of enterprises are highlighted. The main negative fundamental factors that increase the degree of problems of managing receivables from domestic organizations are listed. The main disadvantage of insurance is described as a method of managing receivables. The features of the policy and general scheme of insurance of receivables of enterprises are considered.