TY JOUR TI KW services of non-bank online lending KW the tendency of "care" of banking products and services online KW the accumulation of free funds and their withdrawal KW the criterion of the effectiveness of banking activities KW changes in the direction of economic activity of the population KW changes in the motivation of the population KW online lending JO MOSCOW ECONOMIC JOURNAL AU Bakaeva, M.M. PY 2017 IS 2 PB Electronic science