РОЗВИТОК СИСТЕМ БЕЗГОТІВКОВИХ РОЗРАХУНКІВ В УМОВАХ ДІДЖИТАЛІЗАЦІЇ

business is analyzed. Experts explain the peculiarities of the business response to the digital transformation as follows: key sectors of the economy, which provide more than a third of budget revenues, are not leaders in the direction of digitalization; In economies where more than two-thirds of a country's GDP is provided by state-owned companies, IT strategies depend more on regulators than on business performance. The importance of objective changes taking place in the modern world is proved. These changes affect not only the quantitative proportions in the structure of national production in most countries, but also its qualitative characteristics. It is concluded that digitalization is a process that changes the way of doing business in accordance with market conditions. The modern paradigm of the service economy is determined by the conditions of functioning of modern society.