%0 Journal Article %T Macroeconomic implications of the introduction of smart contracts in the banking sector %A Kostyuk, S.V. %K central bank digital currency, CBDC, financial stability, monetary policy, digital ruble, banking system, financial technologies, monetary regulation, cyber risks, international experience, digitalization of the economy %J JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT %D 2025 %N 0 %P 5 %I ITBO University