S. V. Krivoruchko
FGOBU VO “Financial University under the Government of the Russian Federation”
Russian Federation

Doctor of Economics, Professor, Financial Markets and Banks Department at the FGOBU VO “Financial University under the Government of the Russian Federation”. Research interests: monetary policy, payment systems and technologies, electronic money and cryptocurrencies.

V. A. Lopatin
FGOBU VO “Financial University under the Government of the Russian Federation”
Russian Federation

Ph.D. in Economics, assistant professor, Management Department at the FGOBU VO “Financial University under the Government of the Russian Federation”. Research interests: payment systems and technologies, electronic money and cryptocurrencies, digital processes and blockchain.