%0 Journal Article %T Opportunities and threats of decentralized financing development for traditional financial institutions %A Pogosyan, A.A. %K digitalization of finance, decentralized finance, traditional financial institutions, fintech risks, modern financial technologies, smart contracts, centralized financing %J JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT %D 2025 %N %P 11 %I Autonomous Commercial Organization for Additional Professional Education Center for the Development of Education and Science