Prospects for the Incorporation of the Digital Ruble into Russia's Monetary Turnover: Attributes and Principles for Developing a Trusted Digital Environment

The rapid nature of the modernization of monetary turnover, accompanied by geopolitical risks against the background of post-pandemic economic recovery and the regionalization process, no longer just arouses the discursive interest of society, but becomes an indispensable condition of the new realit...

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Główni autorzy:	Kunitsyna, N. N., Куницына, Н. Н., Dyudikova, E. I., Дюдикова, Е. И.
Format:	Статья
Język:	Russian
Wydane:	2023
Hasła przedmiotowe:	Alternative finance Trusted digital space CBDC Cryptocurrency Digital currency Money turnover Digital environment Digital ruble
Dostęp online:	https://dspace.ncfu.ru/handle/20.500.12258/25818
Etykiety:	Dodaj etykietę Nie ma etykietki, Dołącz pierwszą etykiete!

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spelling	ir-20.500.12258-258182023-11-17T13:03:59Z Prospects for the Incorporation of the Digital Ruble into Russia's Monetary Turnover: Attributes and Principles for Developing a Trusted Digital Environment Перспективы внедрения цифрового рубля в денежный оборот России: атрибуты и принципы формирования доверенной цифровой среды Kunitsyna, N. N. Куницына, Н. Н. Dyudikova, E. I. Дюдикова, Е. И. Alternative finance Trusted digital space CBDC Cryptocurrency Digital currency Money turnover Digital environment Digital ruble The rapid nature of the modernization of monetary turnover, accompanied by geopolitical risks against the background of post-pandemic economic recovery and the regionalization process, no longer just arouses the discursive interest of society, but becomes an indispensable condition of the new reality. The process of money turnover transformation by introducing digital currencies into circulation in the wave of digitalization among world powers lagging behind the evolving environment of the cryptocurrency industry is developing into a process of formalization of metaverses and penetrates deeper into the socio-economic reality. The problem of the Russian practice of developing the payment environment consists in its catching-up character, caused by the spontaneous formation of the digital society, resulting in the expansion of the scope of alternative finance outside the legal field. The purpose of the paper is to determine the inherent attributes of the digital trusted environment necessary to ensure digital ruble turnover, based on an empirical study of society's perceptions about the prospects for using the digital form of the national monetary unit by representatives of various generations. We used systematization, grouping, comparative and content analysis, surveys, and the quota method to achieve the paper's purpose. The survey involved 35, 327 residents from different regions. As a result, the authors revealed the low level of readiness of society for the introduction of the digital ruble as a substitute for cash and cryptocurrency. The paper focuses on the need for an integrated approach to the disclosure of the digital ruble's value and benefits, which contributes to its successful launch and promotion in the market. The results of the research highlight the importance of correspondence in the digital ruble category “digital currencies”, and also the impossibility of making incorrect decisions in the transformation of money turnover, which leads to the growth of risks of digital inequality, the clash of interests of certain groups of the population in the prevailing behavioral patterns in the form of a cautious attitude to digital finance with insufficient financial literacy. 2023-11-17T13:02:49Z 2023-11-17T13:02:49Z 2023 Статья Abramova, M.A., Kunitsyna, N.N., Dyudikova, E.I. Prospects for the Incorporation of the Digital Ruble into Russia's Monetary Turnover: Attributes and Principles for Developing a Trusted Digital Environment // Finance: Theory and Practice. - 2023. - 27 (4). - pp. 6-16. - DOI: 10.26794/2587-5671-2023-27-4-6-16 http://hdl.handle.net/20.500.12258/25818 ru Finance: Theory and Practice application/pdf
institution	СКФУ
collection	Репозиторий
language	Russian
topic	Alternative finance Trusted digital space CBDC Cryptocurrency Digital currency Money turnover Digital environment Digital ruble
spellingShingle	Alternative finance Trusted digital space CBDC Cryptocurrency Digital currency Money turnover Digital environment Digital ruble Kunitsyna, N. N. Куницына, Н. Н. Dyudikova, E. I. Дюдикова, Е. И. Prospects for the Incorporation of the Digital Ruble into Russia's Monetary Turnover: Attributes and Principles for Developing a Trusted Digital Environment
description	The rapid nature of the modernization of monetary turnover, accompanied by geopolitical risks against the background of post-pandemic economic recovery and the regionalization process, no longer just arouses the discursive interest of society, but becomes an indispensable condition of the new reality. The process of money turnover transformation by introducing digital currencies into circulation in the wave of digitalization among world powers lagging behind the evolving environment of the cryptocurrency industry is developing into a process of formalization of metaverses and penetrates deeper into the socio-economic reality. The problem of the Russian practice of developing the payment environment consists in its catching-up character, caused by the spontaneous formation of the digital society, resulting in the expansion of the scope of alternative finance outside the legal field. The purpose of the paper is to determine the inherent attributes of the digital trusted environment necessary to ensure digital ruble turnover, based on an empirical study of society's perceptions about the prospects for using the digital form of the national monetary unit by representatives of various generations. We used systematization, grouping, comparative and content analysis, surveys, and the quota method to achieve the paper's purpose. The survey involved 35, 327 residents from different regions. As a result, the authors revealed the low level of readiness of society for the introduction of the digital ruble as a substitute for cash and cryptocurrency. The paper focuses on the need for an integrated approach to the disclosure of the digital ruble's value and benefits, which contributes to its successful launch and promotion in the market. The results of the research highlight the importance of correspondence in the digital ruble category “digital currencies”, and also the impossibility of making incorrect decisions in the transformation of money turnover, which leads to the growth of risks of digital inequality, the clash of interests of certain groups of the population in the prevailing behavioral patterns in the form of a cautious attitude to digital finance with insufficient financial literacy.
format	Статья
author	Kunitsyna, N. N. Куницына, Н. Н. Dyudikova, E. I. Дюдикова, Е. И.
author_facet	Kunitsyna, N. N. Куницына, Н. Н. Dyudikova, E. I. Дюдикова, Е. И.
author_sort	Kunitsyna, N. N.
title	Prospects for the Incorporation of the Digital Ruble into Russia's Monetary Turnover: Attributes and Principles for Developing a Trusted Digital Environment
title_short	Prospects for the Incorporation of the Digital Ruble into Russia's Monetary Turnover: Attributes and Principles for Developing a Trusted Digital Environment
title_full	Prospects for the Incorporation of the Digital Ruble into Russia's Monetary Turnover: Attributes and Principles for Developing a Trusted Digital Environment
title_fullStr	Prospects for the Incorporation of the Digital Ruble into Russia's Monetary Turnover: Attributes and Principles for Developing a Trusted Digital Environment
title_full_unstemmed	Prospects for the Incorporation of the Digital Ruble into Russia's Monetary Turnover: Attributes and Principles for Developing a Trusted Digital Environment
title_sort	prospects for the incorporation of the digital ruble into russia's monetary turnover: attributes and principles for developing a trusted digital environment
publishDate	2023
url	https://dspace.ncfu.ru/handle/20.500.12258/25818
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Prospects for the Incorporation of the Digital Ruble into Russia's Monetary Turnover: Attributes and Principles for Developing a Trusted Digital Environment

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