In recent years, the banking business has been proactively introducing various innovations. The mortgage industry is complex and confusing, and this is primarily due to traditional and paper processes, lack of standardization, and extensive regulatory requirements. This study is justified by the fact that innovative technologies such as blockchain can be a solution to these problems. Currently, the use of blockchain in the banking sector is not sufficiently developed in Russia. Blockchain can help clients of banking organizations to purchase real estate not in weeks, but in a few minutes, without using paper workflow. The purpose of the study is to develop proposals for the introduction of innovative technology into the mortgage system of Almazergienbank JSC. To achieve this goal, the following tasks were solved: the main problems of mortgage lending in Russia were identified, the organizational and economic characteristics of Almazergienbank JSC were carried out, the analysis of mortgage lending management of Almazergienbank JSC was carried out, the analysis of the innovative activity of Almazergienbank JSC was carried out, problems were identified and recommendations for the introduction of innovative technologies into the mortgage system were proposed JSCB Almazergienbank JSC. The results of this study are the application of the recommendations received to improve the effectiveness of the application and use of new innovative technologies in the development of the bank’s mortgage system.

An analysis of the spatial development of municipalities in the Sakha Republic (Yakutia) is presented. The assessment of the spatial development of municipalities contains an analysis of three statistical indicators (gross municipal product (GMP), investment in fixed capital, average number of employees of organizations) through an autonomous analysis of relative, absolute and specific values of statistical indicators for the last year and over time. Calculations made it possible to distribute municipalities into four groups based on an assessment of the spatial development potential of municipalities.

In the modern world, issues of intercultural interaction are becoming increasingly relevant and important. To build an effective dialogue between representatives of different cultures, it is necessary to take into account the ethical aspects of this process. This article explores an ethical approach to intercultural interaction and its role in promoting mutual understanding and respect between cultural groups. The analysis examines key issues that may be useful in interactions between representatives of different cultures. Particular attention is paid to the issue of culture in the communicative aspect and to the disclosure of approaches to the study of cultural processes in the context of intercultural communication. The study identifies the basic ethical principles and aspects of the ethical approach to intercultural interaction that underlie communication between different ethnic cultures and their influence on the formation of harmonious relations between cultural communities. The results of the study will help develop a more conscious approach to interaction between different cultures and contribute to the development of intercultural dialogue based on the principles of mutual respect, understanding and cooperation.

The article is devoted to understanding the cultural memory of the people using the example of studying the historical documentary film “100 Years of Dreams: The Path to Statehood.” The author relied on modern theoretical and methodological definitions of the concept of “cultural memory” as symbolic representations expressed in figurative and symbolic interpretations. For the first time, the author applied the concept of cultural memory in the study of similar topics in the interpretation of M. Halbwachs, P. Nohr, J. Assmann and others, highlighting the most important of these ideas. The historical and documentary film “100 Years of Dreams: The Path to Statehood”, released in 2022 on the occasion of the 100th anniversary of the formation of the Yakut Autonomous Soviet Socialist Republic, and written by playwright V.E. VasilievKharyskhal and historian A.A. Borisov. It became the first in the history of Yakut documentary filmed in the genre of historical documentary using elements of a feature film. Various newsreels have been filmed in Yakutia for several decades, but the Nikita Arzhakov’s film is the first experience of this kind. The system of ideas laying the base for the cultural memory of the Yakut people about the events of the formation of the Yakut Autonomous Soviet Socialist Republic – the first national statehood in Yakutia – was formed over the course of a century. The film’s script reflected this stable system in all its main components, from the images of the founding leaders of the Yakut autonomy to its specific visible symbols, right down to the tradition of the annual holiday dedicated to the date of formation of the Yakut Autonomous Soviet Socialist Republic at the republic’s level. This film is seen as an institutional copy of this system of ideas, which becomes a historical source linking the past with the present.

The culture of everyday life is characterized by the syncretism of labor, economic, and spiritual spheres of activity. The identification of an algorithm for the interaction of economics and culture will minimize the negative aspects of the mutual influence of the main economic determinants and value-forming constructs of social behavior and maximize the positive effects. The phenomenon of everyday life appears as a certain way of consuming values and meanings, organized in accordance with the requirements of the surrounding economic reality. It seems necessary to abandon the development of a common methodology for interaction, but to develop a multi-level point strategy for each subject of the Russian Federation, since each region has its own unique cultural patterns and unique economic determinants.

In the modern world, films of various ethnicities, in particular the Yakut cinema, are attracting more and more attention both within the country and abroad. The interest in this topic is reflected in many news publications that actively cover current events, current trends and achievements in the world of the Yakut cinema. This study is an analysis of trends in reporting on the contemporary Yakut cinema based on a quantitative content analysis of news publications. As part of the study, an analysis of references to the Yakut cinema in regional and federal media, as well as on social networks, was carried out. Among the local sources of information, the news publications YASIA, Yakutia.daily and Yakutia Media were taken into account, and from the Russian media the materials of the portals Gazeta.ru, Lenta.ru and Rossiyskaya Gazeta were analyzed. A study was also carried out of references to the Yakut cinema on social networks: VKontakte and Telegram. The main attention was paid to identifying the main topics and tags used when mentioning modern Yakut films, as well as their influence on the discourse and perception of the Yakut cinema in modern society through the prism of news materials in the period from 2023 to 2024. The study made it possible to identify the main information events covering the specified time period.

The article presents an analysis of media coverage in the Sakha Republic (Yakutia) on the topic of emigration from the region and examines the impact of this news on public perception. Key tags relating to various aspects of this topic were identified for the analysis. Each tag covers a specific aspect of the issue, allowing you to consider the topic in full. A quantitative content analysis of news from various media sources was also carried out. The study included only those news resources that are included in the List of registered mass media provided by the Federal Service for Supervision of Communications, Information Technology and Mass Communications. The analyzed publications include: global Russian online publications, such as: Gazeta.ru, Russian.rt.com, RIA Novosti, as well as regional resources: SAKHALIFE.RU, SakhaNews and Yakutia 24. The study covers the period from 2022 to 2023. The analysis showed that coverage of the topic of emigration from Yakutia varies depending on the media platform, which has a significant impact on public opinion and migration sentiment. The variety of formats for presented materials (articles, news, audio materials, videos, photographs) on most resources indicates a desire to present information about Yakutia as completely and comprehensively as possible. Such a variety of sources and approaches to coverage allows us to get a holistic picture of the media picture of the region and identify key trends in covering the problem of emigration.