Guzel M. Guseinova

This article examines the economic and social significance of the Russian IT sector, its transformation, and the challenges it faces. Particular attention is paid to the financial components of IT companies' competitiveness, including government support measures and the search for internal resources.

The article discusses the main problems that modern students face in the field of personal finance management. The level of financial literacy of students at Russian universities is studied based on the analysis of statistics, and measures are proposed to help increase the level of financial awareness and responsible approach of students to managing personal financial resources.