Credit Registry and Digital Profile as Systems for Reducing Information Asymmetry

This study aims to identify ways to develop and improve the regulation of Russia’s national pay-ment system to ensure its adaptation to the modern conditions of digitalization. The aim of the work is to develop the theoretical and practical foundations for reducing information asym-metry in the payment services market. To achieve this goal, the following tasks have been solved: systems for reducing information asymmetry and digital profile systems have been considered, and counterparty risk assess-ment systems used to comply with regulatory requirements have been analyzed. The methods of the work are focused on the use of systemic, evolutionary and institutional approaches and are based on the analysis of direc-tions, models and approaches for the development of regulation in the national payment system. The conducted research can be useful both for specialists in this field and for regulatory and supervisory authorities.