COMPARISON OF USAGE OF CROWDSOURCING IN TRADITIONAL AND AGILE SOFTWARE DEVELOPMENT METHODOLOGIES ON THE BASIS OF EFFECTIVENESS

The article examines the problem of the integration of the financial market sectors. An important feature of modern economic dynamics is the tendency to integrate the monetary, credit, currency, stock, and insurance sectors and to form a unified national financial market. The integration of the financial market sectors is the result of financial globalization development, accompanied by an intensification of cash flows, active innovation, a growing need for efficient financial instruments, and a need for riskhedging, along with an accelerating interaction of international and national financial systems. This fact determines the existence of demand in the economy for a variety of funding sources and financial instruments. As a result, the volume of operations in all sectors of the financial market is rapidly growing. Its role as a mechanism of accumulation and redistribution of financial resources is increasing. The emergence of financial products offered simultaneously in several segments of the financial market is becoming the global trend. Moreover, the processes occurring in the world financial market affect the Russian financial market, stipulating the main directions of its development. In this context, the objective of this study is to develop a conceptual model of integration of the financial market sectors. The effectiveness of this model requires maximizing the positive impact of financial system integration with the national economy while minimizing the negative consequences associated with systemic risk.