The development of the digital economy is one of the elements of the post-industrial society and represents a new format for the development of economic relations. In recent years, the digital economy has expanded beyond the commercial realm of buying and selling goods online. This concept has been successfully implemented in the virtual processes of companies, as well as in the internal work of the Russian government. Thanks to the transformation of the economy, non-cash payments and alternative transaction channels are developing in the field of payments and transfers. In the future, financial institutions may face the loss of their intermediary role and control over customer transactions, the disappearance of bank cards, and the development of alternative channels for international transactions.


  • Akhmetshina L, Pokrovskaya T, Semernin D (2018) Organic agriculture and sustainable development of the agrarian sector of regions in the context of “green” economy.
  • Borisova OV, Danilov AI, Kapranova LD, Likhacheva ON, Sedash TN, Tyutyukina EB, Shcherbina TA (2020) Investment market of Russia: state and directions of development. Moscow: Nauch. Tekhnologiii.
  • Chernukhina GN (2019) Consumer Behavior in the Context of Internet Innovation in Retail. Business. Education. Right, 1(46): 299-303.
  • Chernukhina GN, Ermolovskaya OYu (2020) Development of human capital as a factor in increasing the competitiveness of entrepreneurial structures in Russia. Modern competition, 1(77): 48-57.
  • Ezangina IA, Smykova VV (2017) Venture projects in Russia: current sources. Young scientist, 6: 248 - 251.
  • Kalenov O, Kukushkin S, Kamanina R (2019) Innovative technological potential as the basis of mining regions sustainable development in the era of knowledge. E3S Web Conf., 174: 04025. URL: https://www.e3s-conferences.org/articles/e3sconf/ref/2020/34/e3sconf_iims2020_04025/e3sconf_iims2020_04025.html
  • Kapranova LD, Ermolovskaya OYu, Tyutyukina EB, Chernikova LI (2019) Financial support of investment processes in the fuel and energy complex of Russia. Espacios, 30, 15-24.
  • Kosareva OA, Eliseev MN, Cheglov VP, Aleksina SB, Stolyarova AN (2019) Global trends of digitalization of agriculture as the basis of innovative development of the agro-industrial complex of Russia. Eurasian Journal of biosciences, 2: 1675-1681.
  • Maslennikov VV, Fedotova MA, Sorokin AN (2017) New financial technologies are changing our world. Journal of Finance: theory and practice, 2(98): 6-11.
  • Mottaeva AB, Chernukhina GN (2018) Venture entrepreneurship: specifics, the most important directions and development prospects in the Russian Federation. Economics and Entrepreneurship, 12(101): 656-660.
  • Sergievskaya N, Pokrovskaya T, Vorontsova NE (2018) The advisability of high-rise construction in the city. Web of Conferences, 33: 01037. URL: https://www.researchgate.net/publication/323577583_The_advisability_of_high-rise_construction_in_the_city


This is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.