The impact of future financial technologies on the structure of financial services and offerings

The research is devoted to the analysis of the impact of financial technologies of the future on the structure of financial services and offers. The main purpose of the work is to assess the potential of technologies such as digital financial assets (CFA), digital currencies of central banks (CVCB), artificial intelligence (AI) and blockchain to transform the financial sector and create new opportunities for customers and financial institutions. The paper provides a detailed analysis of each of the listed technologies, reveals their impact on various aspects of the financial sector. Thus, it is considered how CFAs are able to transform asset markets, making them more accessible and efficient, and CBCS optimize payment systems, increasing their speed and reducing costs. Particular attention is paid to the role of al in automating financial processes, risk management and personalization of services, as well as the potential of blockchain to create a transparent and secure financial market infrastructure. The study provides specific examples of the use of fintech in various segments of the financial market, such as banking, insurance, investment and asset management. It demonstrates how fintech is already changing the business models of financial institutions and creating new financial products and services. Based on the analysis, the paper makes recommendations to stimulate the development of fintech and maximize its positive impact on the financial system, which include measures to create a favorable regulatory environment, support innovation, improve financial literacy of the population and develop international cooperation in the field of fintech, as well as strategies for adapting financial institutions. The implementation of the proposed measures will make it possible to form a more efficient and sustainable financial system, thereby contributing to economic growth and improving the welfare of society.