employee from 01.01.1997 until now
Maikop, Maykop, Russian Federation
UDC 336.7
UDC 336.71
The article examines the current state, problems, and prospects for the development of financial services and services in rural areas of Russia. Based on the analysis of recent research data and government programs, the main barriers to the rural population's access to financial services are identified, and directions for increasing their accessibility through digitalization and institutional innovations are proposed. The results of the study are important for improving the economic sustainability of rural areas and developing effective government policies.
financial services, financial products, rural areas, financial accessibility, digitalization, simplified service formats, government support, Russia
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