Abstract

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.

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