"Journal "U". Economy. Management. Finance."
type: channel
description: "Journal "U". Economy. Management. Finance." is a peer-reviewed scientific publication devoted to original research of problems in the field of economy and management. Authors are invited to the publication of results of scientific research, reports of conferences, the overview of business and scientific literature, the reviews, the expert evaluations and other materials meeting the requirements of the journal. Scientists, graduate students, undergraduates, students, public men, politicians, economists from Russia, from the CIS and other foreign countries are invited to cooperation. Schedule: 4 issues a year. Languages: Russian, English. All articles published in the journal are in open access on our website and in the electronic scientific library (elibrary.ru). Certificate number of registration in Federal Service for Supervision in the Sphere of Telecom, Information Technologies and Mass Communications (ROSKOMNADZOR): ЭЛ № ФС 77 - 64116. ISSN 2500-2309
publisher: Индивидуальный предприниматель Володин Роман Сергеевич
language: en
publication name: "Journal "U". Economy. Management. Finance."
issn: 2500-2309
items: Modern challenges for the Russian budget system
items: Воздействие инфляции на благосостояние населения и пути смягчения её последствий
items: Investments in digital technologies and their return: a macroeconomic analysis
items: Monetary policy and investment attractiveness of the national economy
items: Macroeconomic policy under high uncertainty lessons from pandemics and crises
items: The labor market in a macroeconomically unstable environment
items: The problem of the informal economy in modern Russia: scale, causes and solutions
items: Digital infrastructure as a factor of entrepreneurship development: regional disparities
items: Digitalization and the transformation of labor demand: macroeconomic consequences
items: Flexible employment as a mechanism for stabilizing the labor market in crisis conditions
items: Tax policy in conditions of macroeconomic instability
items: The relationship between inflation, minimum wage and employment
items: The path to a sustainable creative economy: outlines of a strategy
items: Digital maturity of enterprises and its relationship with macroeconomic stability
items: The cash phenomenon: why demand for paper money persists in the age of digitalization
items: Competition between bank cards and cash: who will win the battle for customer?
items: Digital transformation of the banking system: the impact of financial technology (fintech) on the development of bank lending and risk management
items: Transformation of the Russian banking system under sanctions pressure
items: Bank of Russia: functions, instruments and role in ensuring the stability of the financial system
items: Central bank as a key element of a state’s monetary system
items: Payment system as the foundation of efficient money circulation
items: Implementation of artificial intelligence in the enterprise management system
items: Information interaction between the Federal Service for Alcohol and Tobacco Market Control and executive authorities as a condition for the effectiveness of state control (supervision)
items: Purchasing power of money and methods of its measurement
items: Monetary reforms as a tool for restoring the monetary system
items: Development of cashless payments in the digital economy
items: Modern payment systems and their importance for financial stability
items: The role of the central bank of the russian federation in ensuring the stability of the monetary system
items: The impact of fintech development on monetary circulation
items: Supervisory and Preventive Functions of the Federal Assay Chamber

Modern challenges for the Russian budget system
type: item
description: The paper analyses contemporary challenges for Russia’s budget system: dependence on oil and gas revenues, sanctions pressure, inflation and deficits. It examines structural problems and ways to address them, proposing strategic measures: economic diversification, digitalisation of public administration and improved budget spending efficiency.
subject: Research Works in Economics and Management
  topic: section
subject: budget system
  topic: keywords
subject: sanctions
  topic: keywords
subject: oil and gas revenues
  topic: keywords
subject: diversification
  topic: keywords
subject: digitalisation
  topic: keywords
creator: Fandisovna Elvina
creator: Rinat Allagulov
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-25
publication date: 2026-04-25

Воздействие инфляции на благосостояние населения и пути смягчения её последствий
type: item
description: The article examines the mechanisms through which inflation affects population well being, including the erosion of purchasing power, income redistribution, and shifts in consumption patterns. The paper also proposes measures to alleviate the negative consequences of inflation.
subject: Research Works in Economics and Management
  topic: section
subject: inflation
  topic: keywords
subject: population wellbeing
  topic: keywords
subject: purchasing power
  topic: keywords
subject: income redistribution
  topic: keywords
subject: anti inflationary measures
  topic: keywords
creator: Fandisovna Elvina
creator: Rinat Allagulov
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-25
publication date: 2026-04-25

Investments in digital technologies and their return: a macroeconomic analysis
type: item
description: The article presents a macroeconomic analysis of the impact of investments in digital technologies (artificial intelligence, Big Data, IoT) on sectoral productivity. Based on data for 2018–2026, an econometric model reveals the lagged effect of investments in digitalization and differentiation in returns between the service sector and the manufacturing industry.
subject: Young Researchers' Papers
  topic: section
subject: digital technologies
  topic: keywords
subject: investments
  topic: keywords
subject: AI
  topic: keywords
subject: Big Data
  topic: keywords
subject: labor productivity
  topic: keywords
creator: Emil Fazylov
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Monetary policy and investment attractiveness of the national economy
type: item
description: The article examines the relationship between the monetary policy measures of the Bank of Russia and the dynamics of the national economy’s investment attractiveness in the context of a geopolitical shock. It analyses capital outflow channels and assesses the effectiveness of the regulator’s measures.
subject: Young Researchers' Papers
  topic: section
subject: monetary policy
  topic: keywords
subject: investment attractiveness
  topic: keywords
subject: key rate
  topic: keywords
subject: foreign direct investment
  topic: keywords
creator: Elizaveta Shaporenkova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Macroeconomic policy under high uncertainty lessons from pandemics and crises
type: item
description: This article examines the features of macroeconomic policy in conditions of high uncertainty. Using the examples of pandemics and geopolitical crises, the adopted measures are analysed and key lessons for economic policy are formulated.
subject: Young Researchers' Papers
  topic: section
subject: мacroeconomic policy
  topic: keywords
subject: uncertainty
  topic: keywords
subject: pandemic
  topic: keywords
subject: geopolitical crisis
  topic: keywords
creator: Alina Muftakhova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

The labor market in a macroeconomically unstable environment
type: item
description: This article examines the features of the labor market functioning in conditions of macroeconomic instability. It analyzes the key factors influencing the transformation of labor demand and supply, as well as the mechanisms of labor market adaptation to modern challenges, including digitalization and structural changes in the economy.
subject: Young Researchers' Papers
  topic: section
subject: labor market
  topic: keywords
subject: macroeconomic instability
  topic: keywords
subject: labor demand
  topic: keywords
subject: labor supply
  topic: keywords
subject: unemployment
  topic: keywords
subject: adaptation mechanisms
  topic: keywords
creator: Daria Kozlova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

The problem of the informal economy in modern Russia: scale, causes and solutions
type: item
description: The article analyses the problem of shadow employment in Russia, its scale, key causes of proliferation and socio‑economic consequences. Particular attention is paid to contemporary challenges associated with the digitalisation of the labour market and sanctions pressure.
subject: Young Researchers' Papers
  topic: section
subject: shadow employment
  topic: keywords
subject: informal sector of the economy
  topic: keywords
subject: fiscal burden
  topic: keywords
subject: self employed individuals
  topic: keywords
subject: gig economy
  topic: keywords
creator: Alexandra Ignatieva
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Digital infrastructure as a factor of entrepreneurship development: regional disparities
type: item
description: The article examines the impact of digital infrastructure on entrepreneurship development in the Republic of Bashkortostan and neighbouring regions. It identifies existing disproportions affecting entrepreneurship in the era of digitalisation and proposes measures to reduce them.
subject: Young Researchers' Papers
  topic: section
subject: digital infrastructure
  topic: keywords
subject: entrepreneurship
  topic: keywords
subject: digitalization
  topic: keywords
subject: digital services
  topic: keywords
creator: Alsu Girfutdinova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Digitalization and the transformation of labor demand: macroeconomic consequences
type: item
description: The article examines the impact of digitalization processes, particularly the development of artificial intelligence and platform employment, on the transformation of labor demand. Based on an econometric analysis of panel data across sectors of the Russian economy for 2019–2026, a multidirectional dynamic in the demand for skilled and unskilled labor is identified, along with the macroeconomic consequences of structural shifts in the labor market.
subject: Young Researchers' Papers
  topic: section
subject: digitalization
  topic: keywords
subject: transformation of labor demand
  topic: keywords
subject: artificial intelligence
  topic: keywords
subject: gig economy
  topic: keywords
subject: labor market
  topic: keywords
subject: macroeconomic consequences
  topic: keywords
creator: Anastasia Belonozhkova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Flexible employment as a mechanism for stabilizing the labor market in crisis conditions
type: item
description: The article examines flexible forms of employment and their role in maintaining macroeconomic stability during economic crises. The paper considers three key forms of employment: part-time employment, remote work, outsourcing (outstaffing). Conclusions are drawn about the function and role of flexible forms of employment in the labor market.
subject: Young Researchers' Papers
  topic: section
subject: flexible forms of employment
  topic: keywords
subject: remote work
  topic: keywords
subject: outsourcing
  topic: keywords
subject: part-time employment
  topic: keywords
creator: Diana Baygildina
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Tax policy in conditions of macroeconomic instability
type: item
description: The article is devoted to tax policy in conditions of macroeconomic instability. Using Russia as a case study, the paper analyses anti |antirecessionary measures and their impact on the economy. The following problems have been identified: uneven support, administrative complexities, and the shadow economy. Paths for improving the tax system are proposed.
subject: Young Researchers' Papers
  topic: section
subject: macroeconomic instability
  topic: keywords
subject: tax policy
  topic: keywords
subject: antirecessionary measures
  topic: keywords
subject: digitalisation
  topic: keywords
subject: economic resilience
  topic: keywords
creator: Lenar Akhatov
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

The relationship between inflation, minimum wage and employment
type: item
description: The article presents an econometric analysis of the impact of the minimum wage and inflation on employment in the Russian Federation. Based on data for 2010–2026, a regression model reveals that an increase in the real minimum wage restrains labor demand, while inflation partially compensates for this effect.
subject: Young Researchers' Papers
  topic: section
subject: Inflation
  topic: keywords
subject: minimum wage
  topic: keywords
subject: employment
  topic: keywords
subject: econometric modelin
  topic: keywords
subject: Russian labor market
  topic: keywords
creator: Alina Asmandiyarova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

The path to a sustainable creative economy: outlines of a strategy
type: item
description: The paper is devoted to the role of creative industries in the sustainable development of the Russian economy. It presents a sector development strategy up to 2030, including target indicators and mechanisms for interaction among stakeholders in the development of a creative economy.
subject: Practice-Oriented Papers in Economics and Management
  topic: section
subject: creative industries
  topic: keywords
subject: sustainable development
  topic: keywords
subject: creative economy
  topic: keywords
subject: human capital
  topic: keywords
subject: ecosystem
  topic: keywords
creator: Rinat Allagulov
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Digital maturity of enterprises and its relationship with macroeconomic stability
type: item
description: This article explores the relationship between the level of digital maturity of enterprises and macroeconomic stability. The key elements of digital transformation and their impact on the resilience of the national economy are considered.
subject: Young Researchers' Papers
  topic: section
subject: digital maturity
  topic: keywords
subject: digital transformation
  topic: keywords
subject: macroeconomic stability
  topic: keywords
subject: enterprises
  topic: keywords
creator: Leysan Muginova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

The cash phenomenon: why demand for paper money persists in the age of digitalization
type: item
description: This article examines the phenomenon of persistent demand for cash in the context of digitalization of the payment system. Based on data from the Bank of Russia and international studies, the factors responsible for maintaining cash in circulation are analyzed, including technological failures, the psychological need for security, financial inclusion, and the shadow economy. The aim of the study is to identify and systematize the causes of this phenomenon. The practical significance of this study lies in its substantiation of the need to preserve the cash payment infrastructure to maintain financial stability and ensure the availability of payment services for socially vulnerable groups.
subject: Young Researchers' Papers
  topic: section
subject: cash
  topic: keywords
subject: phenomenon
  topic: keywords
subject: digitalization
  topic: keywords
subject: payment system
  topic: keywords
creator: Ирина Валерьевна Богданова
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-01
publication date: 2026-04-01

Competition between bank cards and cash: who will win the battle for customer?
type: item
description: This article analyzes the competition between cash and non-cash payments in Russia and globally, based on data from the Bank of Russia and Worldpay 2025. It examines factors driving consumer choice and the advantages and disadvantages of payment instruments. Particular attention is paid to the paradoxical growth in demand for cash in the context of digitalization and the prospects for implementing the Fast Payment System (SBP) and the digital ruble. The objective is to identify the key factors in choosing between cards and cash. Practical significance: these findings help consumers make informed payment choices, and banks adjust their strategies given the 43% of the population's interest in cash.
subject: Young Researchers' Papers
  topic: section
subject: Bank cards
  topic: keywords
subject: cash
  topic: keywords
subject: digital ruble
  topic: keywords
subject: SBP
  topic: keywords
subject: non-cash payments
  topic: keywords
subject: behavioral economics
  topic: keywords
creator: Irina Bogdanova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-01
publication date: 2026-04-01

Digital transformation of the banking system: the impact of financial technology (fintech) on the development of bank lending and risk management
type: item
description: The article is devoted to the study of the impact of digital technologies (Fintech) on the transformation of banking services, especially in the field of lending and risk management. The changes that occur due to the introduction of innovations are considered, such as improving the efficiency of credit processes, improving risk analysis, and enhancing transaction security. Special attention is paid to the advantages and challenges of digital transformation of banks and the formation of new approaches to interaction between banks and customers.
subject: Research Works in Economics and Management
  topic: section
subject: financial technologies (FinTech)
  topic: keywords
subject: banking system
  topic: keywords
subject: digital transformation
  topic: keywords
subject: lending
  topic: keywords
subject: risk management
  topic: keywords
subject: Big Data
  topic: keywords
subject: cybersecurity
  topic: keywords
subject: blockchain
  topic: keywords
subject: robotics
  topic: keywords
creator: Alina Stepanova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-03-30
publication date: 2026-03-30

Transformation of the Russian banking system under sanctions pressure
type: item
description: The purpose of the study is a comprehensive analysis of structural changes in the banking system of the Russian Federation under the impact of sanctions restrictions of 2022–2025. Objectives: to identify key directions of transformation in the banking sector; to assess adaptation mechanisms of credit institutions; to determine the role of the Bank of Russia in ensuring the stability of the financial system; to analyze prospects for further development. Practical significance lies in the possibility of using the findings for developing bank risk management strategies, improving regulatory approaches, and formulating long-term programs for the development of the financial sector under external restrictions.
subject: Research Works in Economics and Management
  topic: section
subject: Russian banking system
  topic: keywords
subject: sanctions pressure
  topic: keywords
subject: Bank of Russia
  topic: keywords
subject: national payment system
  topic: keywords
subject: transformation
  topic: keywords
subject: macroprudential policy
  topic: keywords
subject: financial sovereignty
  topic: keywords
creator: Julia Bodunova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-01
publication date: 2026-04-01

Bank of Russia: functions, instruments and role in ensuring the stability of the financial system
type: item
description: The purpose of the study is a systematic analysis of the functions, instruments and role of the Bank of Russia as a mega-regulator in the context of structural transformation of the economy. The paper examines the key areas of monetary and macroprudential policy, identifies mechanisms for managing systemic risks and ensuring financial stability. The practical significance lies in the possibility of using the research results by public authorities, credit institutions and analytical structures to assess the effectiveness of regulation and adaptation to external shocks.
subject: Research Works in Economics and Management
  topic: section
subject: Bank of Russia
  topic: keywords
subject: key rate
  topic: keywords
subject: financial stability
  topic: keywords
subject: mega-regulator
  topic: keywords
subject: macroprudential policy
  topic: keywords
subject: systemic risks
  topic: keywords
creator: Julia Bodunova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-01
publication date: 2026-04-01

Central bank as a key element of a state’s monetary system
type: item
description: <p class="docData;DOCY;v5;5770;[binary]">The article considers the central bank as a system‑forming institution of the state’s monetary system. It reveals the key channels through which the Bank of Russia influences the conditions of money circulation via monetary policy, interest‑rate setting, the safeguarding of financial stability and the integration of sustainable development principles into the regulatory framework. It is shown that the transmission of regulatory decisions is implemented through the banking sector, which provides payment services, safekeeping of funds, credit to the economy and the reallocation of resources in favour of more sustainable projects. The importance of the resilience and security of the financial and banking infrastructure, including technological, operational and ESG‑related risks, is substantiated as a prerequisite for the reliable functioning of monetary circulation. The article concludes that the role of the central bank is of a complex nature, combining monetary, supervisory, infrastructural and coordination functions aimed at maintaining the stability of the national currency and the financial system.
subject: Research Works in Economics and Management
  topic: section
subject: central bank
  topic: keywords
subject: monetary system
  topic: keywords
subject: Bank of Russia
  topic: keywords
subject: monetary regulation
  topic: keywords
subject: money supply
  topic: keywords
subject: key rate
  topic: keywords
subject: financial stability
  topic: keywords
subject: banking sector
  topic: keywords
subject: national payment system
  topic: keywords
subject: economic security
  topic: keywords
creator: Anastasia Maltseva
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Payment system as the foundation of efficient money circulation
type: item
description: The article examines the payment system as a key element of the financial infrastructure that ensures efficient money circulation amid the growing share of cashless transactions. It is shown that the speed, reliability, and security of payments depend on the technological development of infrastructure, the centralization of transaction processing, the harmonization of interbank settlements, and the standardization of financial messaging. The article substantiates the need for strategic improvement of the payment infrastructure to maintain the continuity of money flows and the resilience of money circulation.
subject: Research Works in Economics and Management
  topic: section
subject: payment system
  topic: keywords
subject: money circulation
  topic: keywords
subject: payment infrastructure
  topic: keywords
subject: cashless payments
  topic: keywords
subject: digitalization
  topic: keywords
subject: interbank settlements
  topic: keywords
subject: financial messaging standardization
  topic: keywords
creator: Anastasia Maltseva
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-01
publication date: 2026-04-01

Implementation of artificial intelligence in the enterprise management system
type: item
description: The article examines the features of implementing artificial intelligence technologies in enterprise management systems. The main areas of artificial intelligence application, its impact on the effectiveness of managerial decision-making, as well as key risks and limitations of implementation are analyzed. The necessity of a comprehensive approach to the integration of intelligent technologies into enterprise activities is substantiated.
subject: Practice-Oriented Papers in Economics and Management
  topic: section
subject: artificial intelligence
  topic: keywords
subject: enterprise management
  topic: keywords
subject: digitalization
  topic: keywords
subject: automation
  topic: keywords
subject: business processes
  topic: keywords
creator: Vitalii Danich
creator: Vladimir Rodionov
creator: Timofei Kovalenko
creator: Vladimir Chalenko
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Information interaction between the Federal Service for Alcohol and Tobacco Market Control and executive authorities as a condition for the effectiveness of state control (supervision)
type: item
description: The article examines how Rosalkogoltabakkontrol's information interaction with executive authorities and the use of digital systems increase the effectiveness of state control over the circulation of excise goods and excise revenues, as well as the necessity of further digital integration and the implementation of predictive analysis.
subject: Young Researchers' Papers
  topic: section
subject: state control
  topic: keywords
subject: supervision
  topic: keywords
subject: information interaction
  topic: keywords
subject: Rosalkogoltabakkontrol
  topic: keywords
creator: Darya Kuznetsova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Purchasing power of money and methods of its measurement
type: item
description: The article expolores the concept of the purchasing power of money and substantiates approaches to its measurement from both theoretical and applied perspectives.
subject: Research Works in Economics and Management
  topic: section
subject: purchasing power of money
  topic: keywords
subject: purchasing power of the monetary unit
  topic: keywords
subject: price level
  topic: keywords
subject: money in circulation
  topic: keywords
subject: inflation
  topic: keywords
subject: purchasing power measurement
  topic: keywords
subject: consumer basket
  topic: keywords
subject: subsistence minimum
  topic: keywords
creator: Darya Polikarpova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Monetary reforms as a tool for restoring the monetary system
type: item
description: <span lang="EN-US" style="font-size: 14.0pt; mso-bidi-font-size: 11.0pt; line-height: 107%; font-family: 'Calibri',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 1.0pt; mso-ligatures: standardcontextual; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;">The article examines monetary reforms as a tool for strengthening the monetary system and stabilizing monetary circulation by reducing inflationary imbalances and restoring confidence in the national currency. It argues that the effectiveness of reforms is determined by their comprehensiveness, their consistency with monetary and fiscal policy, and the quality of institutional constraints. It shows that under contemporary conditions the stability of monetary circulation additionally depends on the reliability and security of the payment
subject: Research Works in Economics and Management
  topic: section
subject: monetary reforms
  topic: keywords
subject: monetary system
  topic: keywords
subject: monetary circulation
  topic: keywords
subject: inflation
  topic: keywords
subject: price stability
  topic: keywords
subject: payment infrastructure
  topic: keywords
creator: Darya Polikarpova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Development of cashless payments in the digital economy
type: item
description: The article examines the main trends in the development of cashless payments in the context of the digital economy. It investigates the factors driving the growth of cashless payments, as well as the importance of payment infrastructure, bank cards, and modern technologies in ensuring the efficiency, speed, and stability of monetary circulation. Particular attention is paid to the role of digitalization in transforming the payment habits of the population and businesses.
subject: Research Works in Economics and Management
  topic: section
subject: cashless payments
  topic: keywords
subject: digital economy
  topic: keywords
subject: payment infrastructure
  topic: keywords
subject: bank cards
  topic: keywords
subject: payment technologies
  topic: keywords
subject: money circulation
  topic: keywords
subject: financial innovations
  topic: keywords
creator: Anna Kolesnikova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Modern payment systems and their importance for financial stability
type: item
description: The article examines the significance of modern payment systems for financial stability. It investigates the impact of payment infrastructure, cashless settlements, and digital technologies on the resilience of monetary circulation. Special attention is given to the role of the national payment system in reducing risks and ensuring uninterrupted settlements. The study demonstrates that developing payment infrastructure serves as a key factor in enhancing the efficiency of the financial system and maintaining the stability of economic ties.
subject: Research Works in Economics and Management
  topic: section
subject: payment systems
  topic: keywords
subject: financial stability
  topic: keywords
subject: cashless payments
  topic: keywords
subject: payment infrastructure
  topic: keywords
subject: national payment system
  topic: keywords
subject: digitalization
  topic: keywords
subject: money circulation
  topic: keywords
creator: Alena Shirokova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

The role of the central bank of the russian federation in ensuring the stability of the monetary system
type: item
description: The article examines the role of the Bank of Russia in ensuring the stability of the Russian Federation's monetary system. It investigates key regulatory areas, including maintaining ruble stability, developing the banking and payment systems, and incorporating ESG factors as an additional tool for strengthening financial stability. Special attention is given to the importance of monetary policy and banking regulation in shaping a stable and predictable financial and economic environment.
subject: Research Works in Economics and Management
  topic: section
subject: monetary system
  topic: keywords
subject: Bank of Russia
  topic: keywords
subject: ruble stability
  topic: keywords
subject: banking system
  topic: keywords
subject: payment system
  topic: keywords
subject: financial stability
  topic: keywords
subject: ESG factors
  topic: keywords
creator: Alena Shirokova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

The impact of fintech development on monetary circulation
type: item
description: The article analyzes how the development of fintech companies and the digitalization of the financial sector affect the structure and dynamics of monetary circulation, including the transformation of cash demand, changes in the velocity of money, and the evolution of payment infrastructure. It is shown that the spread of digital payment services and fintech ecosystems increases the share of cashless payments, enhances the transparency of monetary flows, and transforms monetary transmission channels. It is argued that the stability of monetary circulation under fintech expansion depends on the quality of digital platform regulation, the reliability of payment infrastructure, and the consistency of financial digitalization with the goals of the central bank’s monetary policy.
subject: Research Works in Economics and Management
  topic: section
subject: fintech companies
  topic: keywords
subject: monetary circulation
  topic: keywords
subject: digital payments
  topic: keywords
subject: cashless transactions
  topic: keywords
subject: velocity of money
  topic: keywords
subject: payment infrastructure
  topic: keywords
creator: Anna Kolesnikova
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04

Supervisory and Preventive Functions of the Federal Assay Chamber
type: item
description: The Federal Assay Chamber ensures control and supervision in the sphere of circulation of precious metals and gemstones, playing an important role in maintaining market transparency and legality. The annotation highlights key areas of oversight, including hallmarking, financial monitoring, and licensing, as well as the significance of the risk-oriented approach. Special attention is given to preventive measures aimed at reducing violations and strengthening the integrity of market participants.
subject: Practice-Oriented Papers in Economics and Management
  topic: section
subject: assay supervision
  topic: keywords
subject: risk-oriented approach
  topic: keywords
subject: preventive measures
  topic: keywords
creator: Saniya Latfullina
rights: Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
date: 2026-04-04
publication date: 2026-04-04