The article notes the need to improve the lending activities of commercial banks based on the introduction of digital technologies in the process of assessing the creditworthiness of potential borrowers. An analysis of innovative lending models in foreign countries is presented, issues of managing credit activities and credit risks, the main directions of development of digitalization of banking activities are considered

The article is devoted to the analysis of a deep theoretical understanding of the investment process in the context of the formation and development of a new stage of the information society associated with digitalization, studying the transformation of behavioral aspects of economic entities, studying the institutional conditions for the interaction of investors using decentralized investment instruments.