Трансформация платежной системы России в условиях санкций

The article is devoted to the study of the impact of geopolitical sanctions on the development of the payment system of the Russian Federation. Based on the analysis, the author revealed that the sanctions pressure causes the acceleration of the digital transformation of the national payment system of Russia, promotes the introduction of advanced digital solutions in the field of settlements and payments, forms new business models and promotes the use of innovations, including cryptotechnologies. The use of innovations allows not only to speed up and reduce the cost of payments within the country, but also to carry out international payments without hindrance. The author considered the key elements of the Russian payment system that allow for both internal and cross-border settlements. A special place in the article is given to the SWOT analysis of the introduction of a number of innovative solutions for stable and efficient implementation of international settlements by national companies engaged in foreign economic activity. The author came to the conclusion that along with the obvious advantages of implementing digital solutions to minimize the effects of sanctions on the national payment system and the Russian economy as a whole, there are significant risks that can aggravate the development of settlements and payments along the external perimeter. Despite the challenges, the development of international settlements and the payment system is the most important factor in economic growth and ensuring the financial stability of the state.