BANK TRANSFERS AND PAYMENTS IN DIGITAL RUBLES: COMPARATIVE ANALYSIS OF OPERATIONAL RISKS

The article substantiates the relevance of identifying and comparing the operational risks of banks transfers and payments in digital rubles in connection with the planned introduction of the latter into mass circulation in 2026. The regulatory legal acts regulating the monetary circulation of these financial instruments are briefly reviewed, tables of transactions with them are presented, the main operational risks are identified and their comparative analysis is carried out. It is concluded that most of the operational risks associated with bank transfers do not correspond to the operational risks associated with payments in digital rubles. This fact indicates the need for further studies of these risks. The results of the study may be useful to financial regulators, financiers and risk managers of enterprises planning to switch to payments in digital rubles.