Fintech and credit infrastructure development

The development of financial technology has contributed to the emergence of a new credit system infrastructure. The article discusses various approaches to determining the infrastructure of the credit system, the directions of its development in the context of the introduction of financial technologies. The aim of the study is to identify the features of the development of credit infrastructure in modern Russia. The authors analyze new approaches to servicing bank customers. The paper compares multichannel and omnichannel banking customer service, reveals the benefits of introducing an omnichannel approach.