Prospects and risks of the use of electronic money in terms of digitalization of the economy

The article presents main approaches to the interpretation of the essence of electronic money. Proposed and justified the author's definition of electronic (digital) money. Disclosed the nature and specificity of information that can be used as a universal equivalent. The scheme of application of electronic (digital) money in the settlements of the payer with the recipient. Shows the differences between electronic (digital) money-cash and non-cash money. The perspectives of the spread of electronic money, the causes and risks of their application.