Systematization of Approaches to the Development and Regulation of Financial Technologies

The relevance of the study is due to the search for priorities for the development of financial technologies and clarification of the main directions of their regulatory regulation. The article discusses approaches to regulating the development of financial technologies as a financial service, using innovations, as financial innovation and engineering, or as a convergent management category, and the corresponding range of priority areas of development regulation. Based on the evolutionary approach, it is proved that, depending on the influence of scientific and technological progress and local civilizational factors, these approaches have been used and are being used at the same time, unevenly and inconsistently by different countries. According to the author, taking into account the evolutionary genetic characteristics of fintech, considering its essence from the point of view of managerial content, as a way and technology of organizing relations for the redistribution of resources by innovative methods and technologies will theoretically make sense of the processes of their development as a consistent and orderly development of events. This will create the basis for the methodology of state regulation of the processes of their development, the development of recommendations for the state approach to assessing the situation to justify adequate regulatory measures, including regulatory. Regulatory regulation of not only services with innovative tools, but above all convergent technology-management content, will require clarification of the participants in the relationship, coordination processes, development directions, relevant development coordination structures. Recommendations for the development of the Russian fintech segment are presented.