First of all, I think it is important for our country to improve traditional financial services and bring them to a new level

First of all, I think it is important for our country to improve traditional financial services and bring them to a new level.

It is necessary to increase the financial literacy of the population, to develop their attitude to moneyit is necessary to promote the further development of private entrepreneurship, the removal of various duties, the establishment of a large-scale trade turnover. Banks have slowly been moving away from internal data centers, with the average institution now hosting 58 percent of workloads in the cloud, according to accenture. Their research has found that the move has clear benefits for banks, cutting operational costs by up to 20 percent and improving time to market and provisioning speed by up to 50 percent. Moving to the cloud is also the first step to uniting data sources in order to enable agility and a better customer experience. Banks have been doing their best to engage customers everywhere they expect them to be — at the same time and with the same message. Amid the pandemic, 45 percent of wealth managers  have expanded to support new channels. But just offering services across new channels isn’t enough. Following the example of challenger brands, banks should move from this standard omni-channel approach to “opti-channel” engagement. That means optimizing communication channels to reflect the unique needs and preferences of each client and deliver personalized engagement in the moment. This requires a smart, real-time engagement platform that draws on customer data and interaction history across all channels.

My conclusion is that the development of financial literacy in people should develop skills among them, increase the skills of using online trading networks. There will be big problems in large cash flow networks. I think it is necessary to help people find solutions to these problems.