Исследование уровня степени готовности населения региона к принятию криптовалют как платежного средства

Abstract

The article presents a study that considers the readiness of the representatives of the population, among the inhabitants of the Siberian Federal District, to accept and use cryptocurrencies. The authors formulate the main directions of the cryptocurrency market’s development, which are associated with their influence on the system of monetary relations and their acceptance by the mass population. Cryptocurrency is considered as a financial market tool that changes the traditional way of people’s life, their worldviews and values. The authors reveal the features of economic and psychological reasons that influence people’s perception and understanding of financial transformations. The aim of this article is to determine the trends in the development of the cryptocurrency market that are associated with its influence on the system of monetary relations and their acceptance by the mass population. A study of the ongoing changes will allow a much deeper analysis and assessment of the nature of the ongoing changes and innovative processes. The research hypothesis was that the monetary system of relations should be improved through the development of cryptocurrencies as a new payment instrument that meets the requirements of modern society’s development and the functioning of a decentralized financial system. In the course of the study, methods of comparative analysis, generalizations, and systematic approaches were used. The informational and empirical base of the study was data obtained during the survey of respondents over 18 years old, living in the cities of the Siberian Federal District of the Russian Federation. The authors explored the nature of innovative processes from the point of view of the mass consumer; identified and analyzed the main trends of the modern world, with which the people of the region associate the emergence and spread of cryptocurrencies, their advantages and disadvantages; assessed the prospects for the use of cryptocurrencies, as well as the possibility of their recognition as a means of payment, from the point of view of representatives of the region’s population. As a result of the study, the authors conclude that, at present, the functions of regulatory and governing state bodies should be directed towards expanding the virtual space, building a decentralized financial system of relations and developing regulatory norms for financial market participants. The development of the economy is impossible without the cryptocurrency market, which is its integral part and is dictated by the time and the needs of society.