The article views the problems of innovative sphere development and the causes of their esistence, because innovative sphere’s dynamic development is one of the main components of innovative economy. Thus, high-technological economy supposes effective innovative system and creation of institutions supporting innovative processes.

With the purpose of transition of the world economy to a sustainable growth model, the principles of the "green" economy should be integrated into the currently implemented structural reforms. The four main directions that form the "green" economy are highlighted. Structural reform, which connected with directions, can serve as engines of economic growth. Particular attention in passing to the green economy is given to the formation of modern infrastructure, which has the key to ensuring sustainable development and modernization that is an important element of the structural reforms analyzed here. Worldwide, initiatives are emerging at the national level that show that countries are moving towards a "green" economy at their own pace and in the context of their national development goals and priorities. Most countries in the world have recently stepped up their environmental policies to move away from a traditional model in which environmental protection is considered a burden on the economy, to a model in which ecology is recognized as the engine of development, i.e. to the "green" economy.

The presented work describes the concept of education of the XXI century, which is based on its quality and the leading role in culture and spirituality, education, in the implementation of innovations. It also points to such priorities as self-development and self-education, which are the basis of the modern educational paradigm. Organization of research activities of students is considered as a powerful innovative educational technology.

The article analyzes the state and problems of cluster development in the real sector of the region based on the materials of the Pavlodar region. The main problem of innovative development of the Pavlodar region, as well as in all regions of Kazakhstan, in general, is the lack of innovative activity of enterprises, which is reflected in the volume, frequency and efficiency of their innovations. At the same time, most of the enterprises belonging to the real sector of the economy have sufficient resources for the development of innovative activity. However, the prospects for their interaction with enterprises in other sectors and sectors of the economy for the purpose of technology transfer are insignificant, which, in general, doesn’t meet the principles of balanced spatial development of the territory formulated by the program for the development of territories of the Republic of Kazakhstan until 2020. One of the ways to solve this problem is formation and development of a cluster approach and interaction of business entities. The article assesses the efficiency of the cluster’s functioning as an institution of regional development. On the example of the metallurgical cluster of Pavlodar region, the main ways and methods of forming cluster initiatives in the regional economy are considered, a SWOT analysis of the development of the metallurgical cluster of the region is given, and its main problems are identified; identifies priority directions of clusters’ development (metallurgical cluster, including the production of final products, the cluster of railway engineering, agri-food cluster), the realization of which in the region could create the conditions for the emergence and full development of a number of new highly specialized sectors such as cluster chemistry, cluster of road and construction machinery, transport logistics cluster, cluster of modern production technologies and engineering, cluster of manufacturing components for machinery and equipment and cluster of industrial electrical engineering and equipment for power engineering. The authors also noted that the realization of regional development strategies of cluster initiatives can potentially lay the foundations for clusters “future days”, such as: cluster of resource efficiency and environmentally processing, the cluster of new energy, the cluster of innovative medicine, tourism and recreational cluster.

Main problem: In recent years, the world has seen the widespread impact and implementation of digitalization in all areas of activity. The financial sector is increasingly feeling the impact of this trend. Today, banks are the leaders in this sector in the use of digital innovations. In connection with current events in the world, banks needed to resort to transformation of their products. Products and services such as Internet banking, chat bots, contactless payment systems, biometric identification technologies, etc. appear and are constantly updated. The article discusses the main trends in the development of digital banking products and their impact on the performance of banks. Purpose: is to study and evaluate new digital banking products and their impact on the key performance indicators of the banking sector. Results and their significance: The directions and trends in the development of new digital banking products were studied and the performance indicators of the banking sector of the Republic of Kazakhstan were compared.