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RAR RUS 7-20 Muljono Wiryanta wiryantamuljono@gmail.com Setiawati Pertiwi Priyanka Kusuma Dewi Prita Setya Online shopping: Factors affecting consumer's continuance intention to purchase Research confirms that continued intentions play an important role in consumers’ decisions in online shopping. In our study, we assume that the factors influencing sustainable intention from the startup’s side are service quality, delivery, and from the consumer side – their attitude towards online continuity intentions. The research was carried out at the beginning of the COVID-19 pandemic, which is known to have greatly influenced the increase in online shopping. This condition occurs due to restrictions on the mobility of people, but the goods delivery is not affected. The purpose of this study is to investigate service quality and shipping that has been considered a critical factor affecting the continuance intention of consumers in online shopping. Moreover, we investigate whether attitude acts as a moderator between service quality and shipping with regard to continued intention in online shopping. Later these empirical findings can provide recommendations to startups in developing service quality in online stores and trustworthiness in the delivery of goods purchased online. Both are considered to have disrupted the way of shopping in the digital era. This study was conducted using a quantitative approach by distributing questionnaires to online shopping consumers. Utilizing SEM with AMOS 22, the current study recruited 400 respondents to provide primary data. The findings on online service quality of inquiry showed that assurance, reliability, and responsiveness contributed to perceived innovativeness of service quality. The construct of service quality observed is confirming prior research, which indicated that the perceived service quality is based on assurance, which includes security, data protection, and a guarantee of no abuse. Reliability is closely related to accuracy, full responsibility, and absence of access failure. Shipping constructs is consistent with a reliable, safe, and timely delivery that is essential for online consumers. Thus, the findings indicate that although consumers hold a positive attitude towards continued intentions in online shopping, service quality is shown at a sufficient level and shipping wasn’t detected. This study also found that attitude does not act as a moderator of the relationship between service quality and shipping towards continuance intentions in online shopping. After the factors were taken into consideration, we could conclude that in terms of service quality, the characteristics of assurance, reliability, and responsiveness in online shopping are decisive factors affecting customer shopping decision. Meanwhile, the shipping factor has no direct relationship with online shopping intentions. This condition can be explained by the fact that most consumers who shop online reside exclusively in Jakarta. Consequently, goods are swiftly delivered and received by consumers. In this report, if companies want to maintain a long-term relationship with consumers, they should provide excellent service for them in their choices for using websites, and even moreso, in online shopping, where the service quality instruments are different from the conventional businesses. One implication of these findings for managers, of both startup and shipping companies, is to pay attention to the website platforms as part of assessing perceptions of service quality. 10.18721/JE.14101 338.001.36 service quality shipping attitude continuance intention startup online shopping e-commerce https://economy.spbstu.ru/article/2021.87.1/ 01_Muldzhono%2C-Pertivi%2C-Kusuma.pdf

RAR RUS 21-33 Kurcheeva Galina kurcheeva@yandex.ru Kopylov Victor viktorkopylov1997@mail.ru Approaches to the development of the digital city concept: the role of the population in governance Due to the growing population of cities around the world and in Russia, urban infrastructures are developing, new technologies are emerging or existing ones are being modernized to improve the quality of life of the population. The national program “Digital economy” has been developed and adopted for implementation, which is a large group of Federal projects aimed at fulfilling pre-designed tasks, namely, making the Internet accessible to all, improving the efficiency of the main sectors of the economy, training personnel to work in the digital environment, including by means of increasing the share of investments in the development of the digital economy in the country’s GDP. Numerous “smart city” or “digital city” concepts and related national programs included in Federal projects that have appeared relatively recently are also aimed at solving these problems. The need to systematize the developed concepts of “digital city”, assessment of the possibility of adapting such a project to the conditions of the Russian urban environment, the possibility of involving the population in making managerial decisions to form a more rational development strategy was the purpose of this study. In addition to the systems approach, the authors used a process approach, methods of comparative analysis, surveys and questionnaires of the population to assess key areas of development. The results of the work include the analysis of the “smart city” concepts adopted as the basis for the development of modern cities in Europe and the United States, several Russian concepts, the development of a model of the information portal of the city as a prototype of the future project on the example of Novosibirsk and classification of methods, tools and information technologies intended, necessary and adaptable for its implementation with a description of the characteristics and functions performed. The concept of the “smart city” does not have a single implementation method for all cities, and there are many implementation approaches. But the general understanding is that the main factor in development is human capital, which must be used most efficiently in urban management. 10.18721/JE.14102 338:004 concept smart city promotion citizen participation information portal https://economy.spbstu.ru/article/2021.87.2/ 02_Kurcheeva%2C-Kopilov.pdf

RAR RUS 34-46 Rozhdestvenskaia Elena elena.rojdestvenskaya@gmail.com Yarina Polina Polinayarina9448@gmail.com Issues of improving competitiveness of organizations in conditions of overcoming digital inequality Digital inequality affects all spheres of society, including the economic system. The article aims to reveal key factors on how to overcome the digital inequality in organizations in terms of increasing competitiveness and brand management. Digitalization of the economy and education in Russia is intensifying, the requirements for digital competencies of the society are rising. Educational activities today are carried out through various digital platforms more often than in a classroom full-time format, especially during the pandemic. Today we could name a range of constraining factors for information and communication technologies development in education, such as insufficient preparedness of universities and their educational electronic platforms, imperfect legal framework, expensive services of Internet providers, digital inequality. The article provides an overview of key competitiveness factors for educational branding strategy in the context of the digital inequality. New challenges affect the change of criteria for assessing competitiveness, reflecting the aspects of the organization activities, including those providing educational services. Computerization of the business system imposes new requirements for competencies of employees and university graduates, but are there potentially enough resources to meet them? The university not only solves the problem of training “digital” human resources for the economy, but also simultaneously improves internal digital competencies. Results of the study: (1) we carried out a factor analysis of the organization’s competitiveness indicators based on the example of Tomsk State University (TSU); (2) we identified factors influencing the formation of the university brand and its competitiveness in terms of digital inequality; (3) we systematized criteria to increase the effectiveness of the educational brand and the competitiveness of the organization in the digital world. The paper presents an overview of the competitiveness factors, which can become a basis of methodology to determine the competitiveness of services in an educational organization. To form a branding strategy for an educational organization one should take into account the problems of digital inequality in the conditions of labor transformation with general computerization of the municipal system. 10.18721/JE.14103 316.344.32 digital inequality branding universities 3.0 competitiveness assessment labor transformation https://economy.spbstu.ru/article/2021.87.3/ 03_Rozhdestvenskaya%2C-Yarina.pdf

RAR RUS 47-57 57222509570 0000-0002-1801-4326 Tashkent state university of economics Makhmudova Guljahon guljaxon0038@gmail.com Analysis and development strategy of the banking system of Uzbekistan in the conditions of digitalization of the economy Today, the digital economy in general, and in particular, the digitalization of the banking and financial sector is a demanded process for countries in order to increase the competitiveness of the national economy. The article reveals the features of digital banks and analyzes the problems and trends of their development in Uzbekistan. Based on the Strategy for Reforming the Banking System of the Republic of Uzbekistan for 2020–2025, scientific conclusions have been drawn for the further development of the digital banking system in the country. The purpose of the study is to analyze the indicators of the development of the banking system of Uzbekistan in the context of the digitalization of the economy and draw conclusions within the framework of the Strategy for the further improvement of this sphere. Research methods. In the course of the research, we used structural and systemic approaches, classification, logical method, scientific abstraction, generalization method. In Uzbekistan, in recent years, the digital bank model has been transforming, and it is becoming more and more widespread and in demand for customers. Banks are investing in the development of this business model. And as world experience shows, digital technologies are really justified for the banking sector. Reforming the banking system in Uzbekistan is carried out in the following areas: 1. Improving the efficiency of the banking system. This key factor will meet the growing needs of clients for affordable and quality financial services. 2. Ensuring the financial stability of the banking system. This direction is a basic condition for the successful implementation of the transformation and strengthens customer confidence. 3. Reduction of the state share in the banking sector. In this process, a comprehensive transformation of commercial banks is being implemented with the introduction of new digital technologies. 4. Availability and quality of financial services for vulnerable groups of the population and for small businesses. Continuity of remote services and activation of NCI (non-bank credit institutions). Occupying one of the key places in economic activity, indicators of the level of development and efficiency of the banking system, as a rule, are included in various international ratings, the main of which is the rating of the World Bank “Doing Business”. Also, in order to increase the level of indicators of the efficiency of the banking system included in various international ratings, in particular, the rating of the World Bank “Doing Business”, a number of measures related to lending have been identified. 10.18721/JE.14104 336.71:331.1(575.1) banking system digital bank digitalization digital economy strategy priorities https://economy.spbstu.ru/article/2021.87.4/ 04_Mahmudova.pdf

RAR RUS 58-74 Dolganova Iana Yanochkadol@yandex.ru Grishina Daria Methodological approach to estimation of the aviation engine-building industry (on the example of the enterprises of UEC) The problem of optimal investment in the aircraft engine manufacturing industry has become increasingly urgent in recent years. Insufficient financing of the enterprises of the industry leads to massive reductions and a slowdown in the innovative development of the industry. The relevance of the chosen research area is determined by the importance of ensuring the sustainable functioning of enterprises in the market, increasing their capacities and achieving targets, including those that are considered strategically important for the development of the industry as a whole. The purpose of the study is to develop the authors’ methodological approach, which makes it possible to assess the financial position of an enterprise and determine the missing amount of financial investments for its stable functioning. We propose a new approach to determining the optimal amount of necessary financial investments in the aircraft engine manufacturing industry for its successful functioning with the help of zoning enterprises according to the degree of financial stability based on the analysis of some indicators of the financial condition of each enterprise and identifying deviations of these indicators from the standard values. Based on the data of the financial statements of enterprises affiliated to UEC (JSC United Engine Corporation), the financial position of the enterprise was assessed on the basis of sample indicators, and the analysis of the state program “Development of the aircraft industry”, in particular the subprogram “Aircraft engine manufacturing”, in the field of benchmarks of these programs and their budget component. The results obtained in the course of the study, presented in the form of funds necessary for the normal functioning of the industry and allocated for the same period from the federal budget, are compared. As a result, it can be concluded that the amount of budgetary allocations is insufficient for the development of the aircraft engine manufacturing industry in the Russian Federation. As a result of the study, the lack of funds for enterprises located in the “grey” and “red” zones were identified. The essence of the methodological approach of optimal investment in the aircraft engine manufacturing industry is the possibility of its application in practice to optimize state programs in the field of aircraft industry development, in particular, the aircraft engine manufacturing of the Russian Federation. 10.18721/JE.14105 338.366 integrated structure of UEC enterprises aviation engine industry financial analysis liquidity and solvency indicators profitability indicators investment budget subsidies risks weight coefficients integrated integral indicator https://economy.spbstu.ru/article/2021.87.5/ 05_Dolganova%2C-Grishin.pdf

RAR RUS 75-83 Malevskaya-Malevich Ekaterina Green bonds pricing issues This article examines a relatively new source of financing for the Russian market for enterprises implementing the so-called “green” innovations. The purpose of the study is to define the model of green bonds pricing, as well as the prospects of this financing source in the Russian stock market. Green bonds are an innovative source of financing that opens up new opportunities for attracting long-term capital to achieve sustainable growth for Russian enterprises. The article provides a definition of the concept of green bonds, provides statistics on the volume of world issue, as well as the results of emissions of Russian companies. The analysis of literary sources on the research topic is given. The main advantages of this source of financing are formulated, namely, green focus, additional potential for growth of enterprises, the possibility of perpetual issues, as well as floating rate notes. The article substantiates that due to the issue of green bonds, the company receives an additional source of financing for its growth, which is important in the context of the general economic downturn. As an additional advantage for enterprises that generate an increment in the company’s market value, the author notes the reputation factor of the emission of green bonds. In view of the fact that the transition to green, resource-saving technologies, conscious consumption, and lean innovation is a stable global trend, green bonds improve the business reputation of the issuing company, as well as the investor purchasing such securities. All of these factors can offset the increased risk of green innovation: the projects for which this specific source of capital is intended. The article presents a pricing model for green bonds, taking into account the specifics of this funding source. The author draws conclusions on the current state of the market for corporate green bonds in Russia and formulates the main directions of its future development, as well as the obstacles. 10.18721/JE.14106 338.121 green bonds sustainable development concept pricing goodwill company value https://economy.spbstu.ru/article/2021.87.6/ 06_Malevskaya-Malevich.pdf

RAR RUS 84-96 Vladyka Marina Stryabkova Elena Goncharenko Tatiana Enhancing the application of digital technologies in the financial sphere The relevance of the study is due to the influence of platform solutions, which radically transform many business processes and significantly optimize customer transactions. The scientific article examines the main trends in the development of modern digital technologies in relation to the Russian financial sector. In the context of the development of the digital economy, the issue of digital transformation of business is becoming the most urgent. Drivers of digital transformation are an important, but poorly studied topic that requires special attention. The article formulates the goals of digital business transformation and, on this basis, compiles a list of drivers of digital business transformation as driving forces that contribute to, and often force the company to carry out digital transformation. Digital technologies are becoming more common and are actively entering people’s lives. This process engulfs the banking sector to a greater extent, since it turned out to be especially receptive to new market requirements and is inextricably linked with the need to adapt to business processes. This relationship can be optimized using artificial intelligence tools, of which business rule support systems and expert systems are prioritized in terms of application. A single company management loop allows you to extract data from system sources of formation on the server, to integrate and organize the available information in the required format. AI-powered analytics applications let you select the information you need from disparate sources. Shaping a data cube is a task that various analytic applications can already handle. In the promising future, tools for extracting information will continue to improve, so those with the necessary data will have an advantage in the market. The increasingly complex external environment for the functioning of the Russian banking system and the resulting transformational consequences are characterized by constant changes. Today, systems based on the use of artificial intelligence are actively developing, automating the work and interaction of various market agents in a specific sector of the public sphere and implying large-scale network effects. 10.18721/JE.14107 336.7 digital economy modern information technology change in the economic structure activation of transformation processes https://economy.spbstu.ru/article/2021.87.7/ 07_Vladika%2C-Stryabkova%2C-Goncharenko.pdf

RAR RUS 97-108 Abushova Ekaterina katty_pd@mail.ru Burova Ekaterina Ivanova Dusheva Galya Development of reference model of a high-tech industrial enterprise The article is devoted to the analysis of the conceptual apparatus of the category of high-tech industrial enterprises (HTIE) and identification of their functioning features. The high-tech industrial complex is the backbone of the national industrial complex in the era of the “fourth industrial revolution”. In this regard, high-tech industrial enterprises determine the development of the national economy of any state, so the problem of identifying this type of enterprise from the industrial one is relevant. The purpose of this study is to develop a reference model of a high-tech industrial enterprise. To do so, the authors aim to form the definition of high-tech enterprises, to determine their characteristics and criteria to classify enterprises into this type. Based on the analysis of existing research the authors propose a classification of high-tech industrial enterprises according to key criteria: in accordance with the level of intensity of innovative and scientific activities of enterprises. The authors characterize the groups of high-tech enterprises, for each has unique features and can be considered separately. The authors used the methods of categorical-system methodology: 1) the method of formal logic and 2) the method of two-level triadic decoding of the basic concept to form the definition of modern high-tech enterprise. The authors identified criteria by which a high-tech enterprise can be distinguished from the traditional one. In conclusion of this study, the authors developed a reference model of a high-tech enterprise, where the main differences are highlighted 1) the management system in terms of management objects and 2) the principles of functioning of this type of enterprise. The results of the study supplement and clarify the conceptual apparatus of the HTIE and can be used to further study the essence and features of the functioning of this type of enterprises, that will improve their efficiency and competitiveness. 10.18721/JE.14108 338.24 high-tech industrial enterprise; innovations; high-tech; knowledge-intensive enterprise https://economy.spbstu.ru/article/2021.87.8/ 08_Abushova%2C-Burova%2C-Ivanova-Dusheva.pdf

RAR RUS 109-121 Makarov Vasiliy energy@fem.spbstu.ru Krolas Pawel Method for managing risks related to non-fulfillment of large energy facilities constructions projects on time Fulfillment of construction projects on time in energy and other sectors of the Russian economy is investigated. The losses caused by the failure to complete projects on time are noted to be significant. The article discusses the risks negatively affecting project management and analyzes the approaches to project management considering the risk of failure to complete projects on time. Based on the analysis of RusHydro’s activities in recent years, a map of the risks of the company has been drawn up. It is clear from the map that the risk of failure of completion dates is the most critical for the company. The risk of higher cost of work is just as critical and often associated with the risk of delay, as it is a consequence of the implementation of measures to reduce the latter. We analyzed the approaches to project management based on the risk of their non-fulfilment on time. The object of the study is projects to create (design, construct or reconstruct) large energy facilities, the subject is tools to support decision-making in the management of projects in the face of uncertainty and risk. The aim of the study is to improve project management practices considering uncertainties and risks based on the assessment of the economic impact of the decisions made, allowing us to select related management decisions from a variety of alternatives at the successive stages of project implementation. It is proposed to manage the risks of the project during its planning and analysis phase taking into account the alternative of solutions and the stage of the project implementation to combine the PERT-time project management method with one of the methods of risk management – the decision tree method. The general example of applying the proposed combined method of project risk management is considered. The practical significance of the research is noted. The complexities of the method and areas of further research are indicated. Building a solution tree is usually used to analyze the risks of the projects that have a foreseeable number of options. Otherwise, the tree has a very large volume, so it is difficult not only to find the optimal solution, but also to determine the raw data. 10.18721/JE.14109 338.35.053.3 project uncertainty risk method factor management work duration customer https://economy.spbstu.ru/article/2021.87.9/ 09_Makarov%2C-Krulyas.pdf

RAR RUS 122-134 Beketnova Yuliya Typological analysis and automatization to identify unscrupulous credit institutions Credit organizations are the first line in the fight against illegal financial activities. They are designed to collect and analyze information about their clients and their financial transactions, and report any suspicious activity to the Federal Financial Monitoring Service (Rosfinmonitoring) in the event of detected suspicious activity . However, credit institutions can also be involved in illegal activities: knowingly covering up shadow schemes, or due to a weak internal control system. To successfully solve the problem of money laundering with the involvement of credit institutions, a systematic approach and scientific understanding of the empirically obtained results are required. Automation of the process of identifying unscrupulous credit institutions based on machine learning methods will allow regulatory authorities to quickly identify and suppress illegal activities. Damage as a result of crimes related to the withdrawal of bank assets can be incurred not only by the bank’s depositors and customers, but also by the state and bona fide participants in the banking business. The purpose of the study is to improve the efficiency of detecting unscrupulous credit institutions by regulatory authorities. A necessary tool for this can be typological analysis to identify the content side of the methods and trends of money laundering, as well as modern methods of data analysis and machine learning – to automate the identification of deviant banks. The application of typological analysis in economics and other sciences is considered. Various typologies of money laundering with the involvement of credit institutions are considered and systematized. A comparative analysis of the results of processing data on the activities of credit institutions by anomaly search methods is carried out – a one-class support vector machine algorithm and an anomaly detection algorithm based on the principal component method. It is concluded that the algorithm for searching for anomalies based on the principal component method has shown more accurate results compared to the one-class support vector machine algorithm. The above research results can be used by the Bank of Russia and Rosfinmonitoring to automate the identification of unscrupulous credit institutions. The results of the study can also be used by internal control services in the credit institutions themselves in order to self-check and prevent the bank from being involved in dubious schemes, which will increase the responsibility of the subjects of financial monitoring. The author sees the directions for further research in the approbation of the methodology in relation to other subjects of financial activity: professional participants in the securities market, microfinance organizations, insurance organizations. 10.18721/JE.14110 330.4 anomaly detection machine learning anti-money laundering credit institutions typological analysis https://economy.spbstu.ru/article/2021.87.10/ 10_Beketnova.pdf