DIGITAL RUBLE: ADVANTAGES AND RISKS

Abstract

The article is devoted to the study of issues related to the introduction of the digital ru-ble in our country in the focus of the appli-cation of modern financial technologies in Russian practice. The results of theoretical research and generalization of expert opin-ion and specialists regarding the new stage of development of the national payment system, due to the transition to the mass introduction of the digital ruble, are pre-sented. The prospects and advantages of the circulation of the digital ruble are con-sidered. Special attention is paid to poten-tial risks predetermined by established be-havioral patterns in the format of a cautious attitude towards the introduction of the digi-tal ruble, including due to insufficient finan-cial literacy. Among the possible risks, the risk of liquidity shortage in commercial banks is highlighted, associated with a possible outflow of funds from customer accounts to the digital ruble. It is concluded that creating a secure environment for the introduction of the digital ruble, which en-sures the protection of users' and platform participants' financial resources, data priva-cy, fraud prevention, and compliance with legal requirements, is an important factor in the introduction of a new form of money into the daily lives of citizens and busi-nesses.