Subject. The article addresses the need to modernize the banking sector based on the introduction of financial technologies for managing the macro-financial flows. Objectives. The purpose is to present a unique interpretation of the Russian banking sector modernization, based on the introduction of financial technologies for effective management of financial flows in the banking sector. Methods. The study employs normative and integrated approaches to study the effectiveness of managing the macro-financial flows of the banking sector, general scientific and special methods of scientific knowledge, like retrospective, systems and structural-functional analysis, observation, classification, instrumental methods of grouping, selection, comparison and generalization, evolutionary and dynamic analysis. Results. The paper considers the main financial technologies of effective management of macro-financial flows of the Russian banking sector. To improve their efficiency, I propose to use financial technologies for the creation of digital currencies. Conclusions. The use of digital currency will enable banks to manage the macro-financial flows in digital currency more effectively; to automatically track macro-financial flows in digital currency and prohibit their spending for purposes that do not correspond to the intended objective, by adding a special feature, indicating the permissible purposes for spending these funds; to increase the speed of movement of macro-financial flows in the digital form.
Akimov O.M. [Synthetic digital currencies of central banks: Evolution of the concept and operational architecture]. Bankovskoe delo, 2021, no. 5, pp. 12–16. (In Russ.)
Akimov O.M. [Prospects for circulation of digital money of central banks]. Bankovskoe delo, 2020, no. 8, pp. 49–52. (In Russ.)
Kochergin D.A., Yangirova A.I. [Central Bank digital currencies: Key characteristics and directions of influence on monetary and credit and payment systems]. Finansy: teoriya i praktika = Finance: Theory and Practice, 2019, vol. 23, no. 4, pp. 80–98. URL: Link (In Russ.)
Shuvalova Yu.A. [Features of virtual currency in the digital economy]. Innovatsionnoe razvitie ekonomiki = Innovative Development of Economy, 2018, no. 6-1, pp. 133–142. (In Russ.)
Kochergin D.A., Yangirova A.I. [Digital currencies as a new form of money of central banks]. EKO = ECO, 2019, no. 10, pp. 148–171. (In Russ.) URL: Link
Sinel'nikova-Muryleva E.V. [Central bank digital currencies: Potential risks and benefits. Voprosy Ekonomiki, 2020, no. 4, pp. 147–159. (In Russ.) URL: Link
Osmolovets S. [Digital Currency of a Central Bank: Essence, concepts and emission risks]. Банкаўскі веснік, 2021, no. 4, pp. 21–30. URL: Link (In Russ.)
Skorlupina Yu.O. [Introduction of digital currencies by a central bank: Review of risks for the banking system]. Upravlencheskii uchet = Management Accounting, 2019, no. 9, pp. 81–88.
Kuznetsov E.S. [National digital currency as a factor of improving the sphere of cashless cash]. Finansovaya ekonomika = Financial Economics, 2020, no. 2, pp. 54–57. (In Russ.)
Nebera A.S. [Central Bank Digital Currencies Usage as Payment Services]. Finansovaya ekonomika = Financial Economics, 2020, no. 5, pp. 401–404. (In Russ.)