The article analyzes the development of the use of distributed registry technologies (blockchain) in various areas of the social and economic life of society. This technology is of interest for many industries in Europe and beyond. Being no longer a new trend in computer science, the blockchain is becoming every year an increasingly global, inter-industry technology, which is expected to contribute to the growth of the world economy over the next few decades.

In the article some problems and questions of entry of economy into the fourth industrial revolution, increases in efficiency of activity of the enterprises and entrepreneurs, formations of new hi-tech jobs, increases in labor productivity, processes of digitalization of economy are considered and analyzed.

The relevance of the topic is due to the possibility of using foreign experience digitalization business in Russian reality. The author considers it necessary to clarify the essence ofMoore's law. The purpose of the article is to analyze the possibility of using foreign experience of digitalization of business in the Russian reality. The subject of research is digitization of business. Methods of comparative and system analysis were used. The study conducted by the author showed thatdigitization ofentrepreneurship is an important condition for Russia's adaptation to new marketconditions, which will allow it to be competitive and to withstand the challenges of the environment. This article will be interesting for researchers in the field of entrepreneurship, studying the development of entrepreneurship in modern conditions.

Local government, being one of the constitutional foundations of the organization of the Russian state, has considerable potential for development. However, due to the impact of a number of destructive factors, this organizational system of social management is not able to fully implement all its capabilities in the field of innovation. The article discusses the features of territorial public self-government as one of the institutions that stimulate innovative development at the municipal level.

The important meaning during the economy diversification process in the old-industrial regions performs attraction and development oi the economy modern sectors by a complement cluster policy management. Clusters supported by the state and supranational agencies are formed on the resources basis that available in the old-industrial regions. Therefore, the author researches the industries evolution process during the modernization of the old-industrial regions.

The article reviewed necessity of a balanced scorecard for development of effective small business management strategy taking into accountthe features of the services industry, as well as adaptation of the management system to external and internal determinants.

The whole essence of the digital world, including the crypto world, has been studied. Furthermore, the status of the cyber-risk insurance market has been reviewed. The relevance of insurance of this kind of risk for legal entities has been determined, as well as the frequency of cyber-attacks by major players in various markets. Russian and foreign practices of insurance of cyber risks has been analyzed.

Online trading in Russia shows one of the most dynamic growth rates. Along with other factors, this is ensured by the marketing activities of participating enterprises, with the help of which they attract customers and increase revenues. The article analyzes the latest trends in the marketing mix of Internet commerce in the Russian Federation in terms of 4P elements. Within each element of the marketing mix, the leading driver trends have been identified that determine the principal directions for further development - both each 4P element separately and the entire marketing-mix. The trends thatare associated with changes in customer requirements, preferences and habits are identified.

Nowadays, the political situation in Morocco looks stable enough in relation to other countries of North Africa. Not affected, unlike its neighbours, by the events of Arab spring and armed conflicts, the country is getting more and more attractive for investors. The consequences of the financial crisis in 2008 and social-economic disturbances of the countries - Morocco's neighbours gave some incentive to the start of developing Islamic financial institutions in the country. According to experts, Morocco is the most cutting-edge country in North Africa at the development of Islamic finances in the region. Despite the fact that North African countries consider the works of Islamic banking very cautiously, it is to be noted that the financial markets of these countries need liquidity and attracting foreign capital. These problems can be solved by establishing relevant financial institutions. Banks and insurance organizations working under the principles of Sharia began operating after passing relevant regulations in the Banking Act in 2017, and setting up Sharia Board in the Central Bank of Morocco whose functions are oversight and regulation of the activity of Islamic financial institutions in the part of their observing of the Sharia law. From the point of view of its geopolitical location, Morocco is a perspective state for the development of Islamic banking having a sufficient number of Moroccan banks operating in Africa andEurope which are able to attract quality finance not included in speculative schemes.

The article discusses the current state of the services market and the factors that influence the development of the services market. The main problems of the development of customer service are described, the aspects of management and marketing of a modern enterprise are touched upon.

Communication channels on the Internet contribute to the functioning of the company in the market, by directing the interaction of the organization with all subjects of both external and internal environment. Internet communications are one of the activities of Internet marketing, using the methods of traditional marketing on the Internet. The development of Internet channels makes it possible to sell goods, interact with customers regardless of the time and location of the buyer. At the same time, the development of the digitaleconomypushes forward the developmentofbusinessprocesses. The company through its channels directly sends marketing messages to the buyer and receives a response.

The article discusses the options for the process of identification of the client as a person engaged in financial transactions, methods of identifying beneficial owners, which allows the credit institution to implement measures of due diligence of customers (NPK), in relation to corporate entities, identification and risk management of AML/CFT, as well as the implementation of AML/CFT control system on this basis. Determined that after the establishmentorevaluation of the levelofriskthe dientis the beneficial owner of the credit organization can, ifnecessary, to apply measures for management ofclient risk, aimed at its reduction, implementing its program of risk management of ML/FT.

The relevance of the article is due to the fact that attracting foreign investment is a priority issue for the leadership of any state, because Foreign direct investment in the regional economy allows us to solve many socially significant issues. One of the options for international cooperation with potential financialgroups is special economic zones. The article addresses the issue of attempts to assess the economic efficiency of the SEZ. The author pays attention to international methods of assessing the economic efficiency of the SEZ, for example, Kazakhstan, China and Foreign Direct Investment Intelligence.

The adverse environmental factors and the deterioration in the quality of food production of animal origin jeopardizes the principles of sustainable human development and human health. The earth is heating up rapidly, glaciers are melting and populations of flora and fauna are dying out. Every year more and more people are switching to vegetable diets, andsomeone just does not digest animal products. The paper conducted a comparative analysis of the five mostcommon types of vegetable milk with cow's milk, formulatedproposals for the development of vegetable milk production on the territory of the Eurasian Economic Union and proposed a classification of the most promising varieties of sweet almond.

The role of the banking system is difficult to underestimate. It is through commercial banks that the link between lenders and borrowers is ensured, capital is being redistributed, free money is accumulated, which is necessary for the further development of the economy and society. Due levelofdevelopmentof the banking sector allows any economy to move forward with confidence.

Every year the contribution of the digital economy to the global economic growth becomes more and more, and the role in economic development becomes more significant. The digitalization process is associated with the transformation of the banking sector, in which modern forms and technologies are being introduced to organize the activities of banks. The Russian banking sector is facing the challenge of digital transformation, as banking products and services are changing radically in the process of digital transformation.

The article discusses the importance of the tourism market in the development of the economy. The article analyzes the dynamics of the tourist services market in Russia. Features of formation and methods of demand stimulation for tourist services are revealed.

Research assistant, budancev-a@inbox.ru K. G. Razumovsky Moscow State University of technologies and management (the First Cossack University), Moscow, Russian Federation