TY JOUR TI Opportunities and threats of decentralized financing development for traditional financial institutions KW digitalization of finance KW decentralized finance KW traditional financial institutions KW fintech risks KW modern financial technologies KW smart contracts KW centralized financing JO JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT AU Pogosyan, A.A. PY 2025 IS PB Autonomous Commercial Organization for Additional Professional Education Center for the Development of Education and Science