In her opinion, the prospects of the digital ruble are the possibilities

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According to her, among the obvious advantages of the digital ruble named by respondents - convenience, speed and security, the advantage of bypassing financial restrictions seems somewhat alien, since the implementation of this advantage is impossible only by the Central Bank itself. "The result of the survey seems interesting, according to which the security parameter appears both in the advantages and disadvantages. Transactions of the digital ruble are protected to a greater extent than simple non-cash payments, but only the owner of the digital wallet can protect himself from the risk of social engineering," she noted.

of targeted spending through labeling, security germany cell phone number list through cryptography, transaction speed and the possibility of concluding a smart contract using platform technologies. "However, for digital wallets to really gain popularity, this is not enough. The maximum wallet size, transaction cost and transaction amount limits are parameters that will tip the scales in one direction or another. And there is no doubt that these parameters will be determined - credit institutions unanimously claim that the introduction of the digital ruble everywhere, and not just in the budget sector, will lead to a liquidity crisis and the failure of lending programs. And this voice is getting louder," concluded Natalia Mamedova.

Freedom Finance Global analyst Vladimir Chernov believes that the introduction of a digital ruble for the older generation (65+) is undesirable, since their level of digitalization and financial literacy is low. "It is believed that storing digital rubles is safer, but this has not yet been confirmed in practice. The digital ruble is most necessary for doing business. With its help, payments will be faster and, possibly, safer. Probably, not all citizens understand how to work with this instrument, but since it is created and regulated by the Central Bank, the level of public trust in it is high," the analyst says.

In his opinion, the digital ruble has high prospects, but the process of its implementation in the economy will be lengthy. "Firstly, it needs to earn the trust of the population and prove the security of payments. And secondly, it needs infrastructure for payments with them, which is not built in one month," Vladimir Chernov is sure.