The digital ruble and the transformation of international banking

The article analyzes the potential impact of the introduction of the digital ruble on international banking operations and the transformation of the Russian financial system. The study shows that the digital ruble can facilitate and accelerate cross-border payments, reduce dependence on traditional payment systems and stimulate the development of innovative banking services. At the same time, the introduction of the digital ruble is associated with a number of problems, such as the need to create an appropriate regulatory framework, ensure cybersecurity and adapt existing infrastructure. Special attention is paid to the analysis of the potential impact of the digital ruble on the role of the Russian currency in international settlements, as well as on the competitiveness of the Russian financial system in a global context. The results of the study can be applied in the development of a strategy for the introduction of the digital ruble and the formation of a policy on digital currencies in Russia. Based on the results of the research, the author concludes that the success of the project on the introduction of the digital ruble will depend on the effective cooperation of all stakeholders and the ability to adapt to new challenges and opportunities of the digital economy. The need for further research and open dialogue is emphasized to ensure a balanced and thoughtful approach to the implementation of the digital ruble.