ELECTRONIC AND DIGITAL MONEY: PROBLEMS AND PROSPECTS

Abstract

Electronic and digital money provide a convenient and secure way to carry out financial transactions. The development of electronic and digital money circulation is associated with a number of challenges and the need to improve their regulation. The article shows that electronic money should be considered as a special element of the modern payment system, whereas the digital ruble is not a kind of electronic money, but an independent form of the Russian national currency. This allows us to more consistently assess the place of electronic money and the digital ruble in the modern transformation of monetary circulation. The current trends in the development of electronic money in the Russian Federation are summarized. The findings of the study can be used in the study of modern forms of money, the analysis of the payment infrastructure and the consideration of the digital ruble as a special form of national currency, which does not coincide in nature with electronic money.