Meeting the mobile money needs of the unbanked in emerging markets is a vast opportunity. To succeed, providers need a clear view on what drives mobile money economics, and an innovative mind-set.

Investments in the infrastructure of capital markets in the sphere of financial technologies are growing rapidly. For companies, the key aspect is the attitude to financial technologies not as a strategy, but as a means of achieving strategic priorities.

The article reveals the features of the formation of network human capital. The characteristic of new network properties of human capital of Millennials in modern economy is given. The main trends in the transformation of employment and new digital competencies of Millennials in the use of Big data. The provision on capitalization of investments in network human capital is proved. The specificity of the activity of Millennials in social networks is shown. The tendencies of transformation of financial markets in the conditions of digital economy are revealed.