Features of the Transformation of the Regional Models of the Households’ Financial Behavior

The article is devoted to identifying the features of the transformation of the regional models of the households’ financial behavior. An algorithm and a method for determining the level of the households’ financial behavior transformation are proposed. Based on this methodology, the authors made calculations that allowed to group the regions according to the level of the households’ financial behavior transformation. As a result, four groups of regions have been identified: with a high level of the households’ financial behavior transformation, with a level above average, with a medium and low level of the households’ financial behavior transformation. Features of each group of regions are described. The increase in the impact of digitalization on the financial behavior of households as a result of the COVID-19 pandemic has been demonstrated.