Client-centric transformation of pension provision in the context of digitalization
https://doi.org/10.37493/2307-907X.2022.2.14
Abstract
The problem of decent pension provision remains relevant in modern realities, despite its repeated reforms, the optimal model has not been found, the analysis shows that the total number of pensioners per 1000 people of the population is increasing in dynamics, the aging of the nation continues. The article suggests some ways to solve the current problem, such as the introduction of electronic passports, closed blockchain technologies, a unified system of non–cash payments and the rejection of cash, which, according to the authors, will contribute to the restructuring and modernization of the pension system. The creation of a closed decentralized database of the work experience of the population will facilitate the tracking of their work activity, optimize the implementation of specific federal programs and the formation of socio-economic forecasts of the country’s development.
About the Authors
A. V. Savtsova
NCFU
Russian Federation
Russian Federation
Anna Savtsova, Doctor of Economics, Associate Professor, Associate Professor of the Department of Finance and Credit
O. N. Patsenko
NCFU
Russian Federation
Russian Federation
Olga Patsenko, Candidate of Economic Sciences, Associate Professor of the Department of Finance and Credit
Z. S. Zargaryan
NCFU
Russian Federation
Russian Federation
Zemfira Zargaryan, Candidate of the degree of Candidate of Economic Sciences of the Department of Finance and Credit
Yu. R. Deich
NCFU
Russian Federation
Russian Federation
Yuri Deich, a student
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Review
For citations:
Savtsova A.V., Patsenko O.N., Zargaryan Z.S., Deich Yu.R. Client-centric transformation of pension provision in the context of digitalization. Newsletter of North-Caucasus Federal University. 2022;(2):111-119. (In Russ.) https://doi.org/10.37493/2307-907X.2022.2.14
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