TY JOUR TI Macroeconomic implications of the introduction of smart contracts in the banking sector KW central bank digital currency KW CBDC KW financial stability KW monetary policy KW digital ruble KW banking system KW financial technologies KW monetary regulation KW cyber risks KW international experience KW digitalization of the economy JO JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT AU Kostyuk, S.V. PY 2025 IS 0 PB ITBO University