-income and middle-income countries regarding access to technology, FinTech adoption, and regulatory capacity. This paper analyzes …FinTech has tremendous potential in the Europe and Central Asia (ECA) region, given its high mobile phone and internet … access levels and scope for increased use of digital payments. However, there are major regional differences between high …

economies of post-Soviet countries that prevent them from reaping the potential benefits of digital transformation in the public … sector. A multidimensional framework, which includes socioeconomic and political factors of technology-enabled public sector … greater citizen engagement is still limited. The study also develops possible policy options to overcome barriers in digital …

using the "Digital Evolution Index." In the course of the research, it was concluded that the "Вank Cards Market Index" can … cashless payments in the bank card market and the possible transformation of the market under the influence of Covid-19, and … interrelated indicators of bank payment cards, ATMs, and POS terminals should be carried out using the "Digital Evolution Index" or …