New technologies, such as blockchain, open up opportunities for decentralized finance (DeFi). Services based on smart contracts allow you to take out a loan without intermediaries or trade assets directly between users, reducing costs.
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In the coming years, the role of artificial intelligence in financial management will grow. Applications themselves will optimize the budget, offer favorable loan rates and select suitable investments taking into account your risk profile.
The key to the successful use of digital solutions is comprehensive information security. Two-factor authentication, strong passwords, verification of site certificates and caution when connecting to public networks will help protect your funds and personal data.