Book excerpt: This book highlights the essence of information technology in the modern digital world in relation to improvements and threats to organisations and e-business in the era of the digital economy. Rapid IT development has created modern business proposals such as digital and virtual currencies, crowdfunding, peer-to-peer lending, mobile banking, online investing and new payment systems. This allows organisations and firms to increase competitiveness by using financial products and services, thus increasing their value. Information technology users receive significant timesaving and a choice of investment options. At the same time, there is a new challenge for regulators who must monitor how this or that technology affects the financial sector. The authors have collected and systematised information on the models of using information technology in e-business as well as issues of applying information technology in smart organisations and public institutions. The book addresses the issues of risk management in organizations and the problems of personal and social risks resulting from the use of information technology. In addition, the book presents a review of e-commerce sectors and models as well as e-commerce tools, international payment systems and modern money systems. Risks, threats and security rules for using banking services, e-commerce and payment systems are reviewed and systematised.