NEOBANKING AS A DIRECTION OF DEVELOPMENT OF MODERN FINANCIAL TECHNOLOGIES

Neo-banking as one of the most important directions of development of modern financial technologies has been considered. The aim of the paper is to study the fundamental prerequisites, advantages and prospects of neobanking development in the Russian Federation. By the methods of retrospection, analysis, comparison and graphical research, characteristics of foreign and domestic neobanks, such as: Tinkoff Bank, Rocketbank, Touch Bank, Tochka have been given and also their detailed comparative analysis with traditional banking institutions is carried out. Based on the results of the study, the conclusion about the dominant role of neobanking in terms of the modern digital transformation of the world economy has been made

Peculiarities of microcirculatory reactions after subcutaneous implantation of polycaprolactone matrices mineralized by vaterite

The aim is to assess skin microcirculation changes arising during subcutaneous implantation of polycaprolactone scaffolds mineralized by vaterite. Material and Methods. The experiment was carried out on 30 albino rats divided into two groups: a negative control group and an experimental one. We implanted polycaprolactone scaffold with exhausted foreign protein subcutaneously into rats of the negative control group. We implanted polycaprolactone matrix mineralized by vaterite subcutaneously into the animals of the experimental group. Research methods include laser Doppler flowmetry and morphological examination of the tissues of the matrix implantation area. Results. Changes of skin microcirculation over the matrix allocation area correspond to the morphological pattern of tissue reactions. Biocompat-ibility disorders take the form of inflammation in the scaffold implantation area that is accompanied by stable perfusion rise associated with local bloodstream modulation changes. We did not observe inflammation signs in the surrounding scaffold tissues during implantation of polycaprolactone matrices mineralized by vaterite. Besides local microcircula-tory reactions possess a transient character disappearing completely by the 21st day after the implantation. Conclusion. Complex of the given functional and morphological studies allow us to ascertain high-grade biocompatibility of polycaprolactone matrices mineralized by vaterite thus giving rise to prospect of their use for tissue regeneration stimulation.</p

Hybrid PCL/CaCO3 scaffolds with capabilities of carrying biologically active molecules : synthesis, loading and in vivo applications

Designing advanced biomaterials for tissue regeneration with drug delivery and release functionalities remains a challenge in regenerative medicine. In this research, we have developed novel composite scaffolds based on polymeric polycaprolactone fibers coated with porous calcium carbonate structures (PCL/CaCO3) for tissue engineering and have shown their drug delivery and release in rats. In vivo biocompatibility tests of PCL/CaCO3 scaffolds were complemented with in vivo drug release study, where tannic acid (TA) was used as a model drug. Release of TA from the scaffolds was realized by recrystallization of the porous vaterite phase of calcium carbonate into the crystalline calcite. Cell colonization and tissue vascularization as well as transplantability of developed PCL/CaCO3 + TA scaffolds were observed. Detailed study of scaffold transformations during 21-day implantation period was followed by scanning electron microscopy and X-ray diffraction studies before and after in vivo implantation. The presented results demonstrate that PCL/CaCO3 scaffolds are attractive candidates for implants in bone regeneration and tissue engineering with a possibility of loading biologically active molecules and controlled release