V. L. Dostov
Russian Electronic Money Association, Russian Academy of National Economy and Public Administration
Russian Federation

Ph.D. Physics and Mathematics, President of the Russian Electronic Money Association, Head of Department, Faculty of Banking and Finance, Russian Academy of National Economy and Public Administration

P. M. Shust
Russian Electronic Money Association, Russian Academy of National Economy and Public Administration
Russian Federation

Ph.D. Political Science, Executive director of the Russian Electronic Money Association, research associate, Faculty of Banking and Finance, Russian Academy of National Economy and Public Administration

A. D. Kozyreva
International Banking Institute
Russian Federation

PhD student at Faculty of Banking business and Innovative financial technologies, International Banking Institute