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<article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:ali="http://www.niso.org/schemas/ali/1.0/" article-type="research-article" dtd-version="1.2" xml:lang="en"><front><journal-meta><journal-id journal-id-type="publisher-id">RUDN Journal of Economics</journal-id><journal-title-group><journal-title xml:lang="en">RUDN Journal of Economics</journal-title><trans-title-group xml:lang="ru"><trans-title>Вестник Российского университета дружбы народов. Серия: Экономика</trans-title></trans-title-group></journal-title-group><issn publication-format="print">2313-2329</issn><issn publication-format="electronic">2408-8986</issn><publisher><publisher-name xml:lang="en">Peoples’ Friendship University of Russia named after Patrice Lumumba (RUDN University)</publisher-name></publisher></journal-meta><article-meta><article-id pub-id-type="publisher-id">20766</article-id><article-id pub-id-type="doi">10.22363/2313-2329-2018-26-4-742-759</article-id><article-categories><subj-group subj-group-type="toc-heading" xml:lang="en"><subject>WORLD CAPITAL MARKET</subject></subj-group><subj-group subj-group-type="toc-heading" xml:lang="ru"><subject>МИРОВОЙ РЫНОК КАПИТАЛА</subject></subj-group><subj-group subj-group-type="article-type"><subject>Research Article</subject></subj-group></article-categories><title-group><article-title xml:lang="en">Cash innovations and digital economics: reaction of the state, society and universities</article-title><trans-title-group xml:lang="ru"><trans-title>Денежные инновации и цифровая экономика: реакция государства, общества и университетов</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author"><name-alternatives><name xml:lang="en"><surname>Bystryakov</surname><given-names>Alexander Ya</given-names></name><name xml:lang="ru"><surname>Быстряков</surname><given-names>Александр Яковлевич</given-names></name></name-alternatives><bio xml:lang="en"><p>Doctor of Economics, Professor, Head of Department of Finance and Credit of the Economic Faculty of the Peoples’ Friendship University of Russia (RUDN University).</p></bio><bio xml:lang="ru"><p>доктор экономических наук, профессор, заведующий кафедрой финансы и кредит экономического факультета Российского университета дружбы народов</p></bio><email>bystryakov-aya@rudn.ru</email><xref ref-type="aff" rid="aff1"/></contrib><contrib contrib-type="author"><name-alternatives><name xml:lang="en"><surname>Nenovsky</surname><given-names>Nikolay</given-names></name><name xml:lang="ru"><surname>Неновский</surname><given-names>Николай</given-names></name></name-alternatives><bio xml:lang="en"><p>Doctor of Economics, Professor at Jules Verne University of Picardy</p></bio><bio xml:lang="ru"><p>доктор экономических наук, профессор Университета Пикардии имени Жюля Верна</p></bio><email>nikolay.nenovsky@u-picardie.fr</email><xref ref-type="aff" rid="aff2"/></contrib><contrib contrib-type="author"><name-alternatives><name xml:lang="en"><surname>Ponomarenko</surname><given-names>Elena V</given-names></name><name xml:lang="ru"><surname>Пономаренко</surname><given-names>Елена Васильевна</given-names></name></name-alternatives><bio xml:lang="en"><p>Doctor of Economics, Professor, Head of Department of Political Economy of the Economic Faculty of the Peoples’ Friendship University of Russia (RUDN University)</p></bio><bio xml:lang="ru"><p>доктор экономических наук, профессор, заведующая кафедрой политической экономии экономического факультета Российского университета дружбы народов</p></bio><email>ponomarenko-ev@rudn.ru</email><xref ref-type="aff" rid="aff1"/></contrib></contrib-group><aff-alternatives id="aff1"><aff><institution xml:lang="en">Peoples’ Friendship University of Russia (RUDN University)</institution></aff><aff><institution xml:lang="ru">Российский университет дружбы народов</institution></aff></aff-alternatives><aff-alternatives id="aff2"><aff><institution xml:lang="en">Université de Picardie Jules Verne</institution></aff><aff><institution xml:lang="ru">Университет Пикардии имени Жюля Верна</institution></aff></aff-alternatives><pub-date date-type="pub" iso-8601-date="2018-12-15" publication-format="electronic"><day>15</day><month>12</month><year>2018</year></pub-date><volume>26</volume><issue>4</issue><issue-title xml:lang="en">VOL 26, NO4 (2018)</issue-title><issue-title xml:lang="ru">ТОМ 26, №4 (2018)</issue-title><fpage>742</fpage><lpage>759</lpage><history><date date-type="received" iso-8601-date="2019-03-18"><day>18</day><month>03</month><year>2019</year></date></history><permissions><copyright-statement xml:lang="en">Copyright ©; 2018, Bystryakov A.Y., Nenovsky N., Ponomarenko E.V.</copyright-statement><copyright-statement xml:lang="ru">Copyright ©; 2018, Быстряков А.Я., Неновский Н., Пономаренко Е.В.</copyright-statement><copyright-year>2018</copyright-year><copyright-holder xml:lang="en">Bystryakov A.Y., Nenovsky N., Ponomarenko E.V.</copyright-holder><copyright-holder xml:lang="ru">Быстряков А.Я., Неновский Н., Пономаренко Е.В.</copyright-holder><ali:free_to_read xmlns:ali="http://www.niso.org/schemas/ali/1.0/"/><license><ali:license_ref xmlns:ali="http://www.niso.org/schemas/ali/1.0/">http://creativecommons.org/licenses/by/4.0</ali:license_ref></license></permissions><self-uri xlink:href="https://journals.rudn.ru/economics/article/view/20766">https://journals.rudn.ru/economics/article/view/20766</self-uri><abstract xml:lang="en"><p>The article is devoted to the study of theoretical approaches to the content and functions, as well as the results of the introduction of modern digital financial innovations (cryptocurrencies, blockchain technologies) into modern financial and economic circulation in various countries of the world. It analyzes the positions of government structures, central banks of different countries in relation to challenges and risks, on the one hand, and progressive changes that accompany the introduction of digital technologies in financial and economic relations, and also discusses some of the prospects for the global monetary system. A special place in building the architecture of the new global financial system is given to higher education, modern universities that can implement training for the new economy and social sphere. The analysis allows to draw conclusions about the active role of the state, the structures of civil society in the adaptation of the population to the challenges of the information revolution.</p></abstract><trans-abstract xml:lang="ru"><p>Статья посвящена исследованию теоретических подходов к содержанию и функциям, а также результатам внедрения современных цифровых финансовых инноваций (криптовалют, технологии блокчейн) в современный финансово-экономический оборот в различных странах мира. Дается анализ позиций правительственных структур, центральных банков разных стран в отношении вызовов, рисков и прогрессивных изменений, сопровождающих внедрение цифровых технологий в финансово-экономические отношения, рассматриваются некоторые перспективы мировой валютной системы. Особое место в построении архитектуры новой мировой финансовой системы отводится высшему образованию, современным университетам, способным реализовать подготовку кадров для новой экономики и социальной сферы. Проведенный анализ позволяет сделать выводы об активной роли государства, структур гражданского общества в адаптации населения к вызовам информационной революции.</p></trans-abstract><kwd-group xml:lang="en"><kwd>digital economy</kwd><kwd>electronic money</kwd><kwd>cryptocurrency</kwd><kwd>bitcoin</kwd><kwd>tokin</kwd><kwd>financial innovations</kwd><kwd>world monetary system</kwd><kwd>new role of universities</kwd><kwd>training of specialists in digital technologies</kwd></kwd-group><kwd-group xml:lang="ru"><kwd>цифровая экономика</kwd><kwd>электронные деньги</kwd><kwd>криптовалюта</kwd><kwd>биткоин</kwd><kwd>токин</kwd><kwd>финансовые инновации</kwd><kwd>мировая валютная система</kwd><kwd>новая роль университетов</kwd><kwd>подготовка специалистов по цифровым технологиям</kwd></kwd-group><funding-group/></article-meta></front><body></body><back><ref-list><ref id="B1"><label>1.</label><citation-alternatives><mixed-citation xml:lang="en">Lskavyan D.N., Fedorov A.V. (2014). 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