The actual article presents an analysis of innovative financial products and services, which can be attributed to the investments and savings segment. In particular, due to the context of the impact on the availability offinancial services, article considers the service of remote deposits opening, the model of Initial Coin Offering, remote participation in mutual funds, remote lending and P2P loans. Their characteristics, demand, quality and usefulness for consumers are being analyzed due to the context of dependence on the existing infrastructure. The actual article contains the comparative analysis of the impact of these products and services on the availability of financial services.