Digitalization of the financial sector as a driver of households’ saving and investment behavior transformation

The article examines the impact of digitalization of the financial sector on the saving and investment behavior of households. It considers changes in behavioral patterns caused by the development of remote channels of financial services, the spread of digital platforms and the use of robo-advisers. The consequences of the transition from intermediary models to self-management of assets are analyzed. Particular attention is paid to the risks of digital transformation and mechanisms for their neutralization. The conclusion is made about the emergence of a new model of household financial behavior, which requires improvement of the regulatory framework for the digital financial environment and systemic improvement of digital and financial literacy of the households.