Abstract
<jats:p>The purpose of the study. This article analyzes the impact of digital technologies on reducing financial risks and fraud in the residential rental industry, as well as assesses the long-term economic consequences of digitalization. Methodology. The study is based on a quantitative analysis of data from 2000 to 2024, including indicators of digitalization in transactions, fraud levels, financial losses incurred by tenants, and the volume of official rental agreements. Regression analysis methods were employed to evaluate the short-term and long-term effects of digitalization. Data were collected from official sources, including Rosreestr, the Federal Tax Service of Russia, the Central Bank of Russia, Eurostat, and the OECD. A financial and economic analysis was conducted to examine the structure of rental rates, tax revenues, and the impact of digital services on macroeconomic indicators. Results. The analysis of the housing rental market dynamics over the past 24 years revealed a significant impact of digitalization on reducing financial risks and fraud levels. The application of a regression model identified a consistent inverse relationship between the growth in the share of digital transactions and the number of fraudulent schemes. The financial and economic analysis demonstrated that over the past two decades, tenant losses due to fraudulent activities have decreased by a factor of 3,5. This is attributed to the expansion of protective tools on digital platforms, enhanced verification controls for landlords, and the implementation of transaction insurance mechanisms. However, despite the positive effects of digitalization, a portion of the market remains in the «gray zone», limiting the potential growth of tax revenues. Research perspectives. In the long term, comprehensive digitalization could become a key tool for bringing residential rental relationships out of the shadows, expanding the tax base, and protecting tenant interests. This study provides recommendations for government authorities and digital platforms aimed at developing effective control mechanisms and safeguarding participants in the rental market.</jats:p>