"Journal "U". Economy. Management. Finance."
"Journal "U". Economy. Management. Finance." is a peer-reviewed scientific publication devoted to original research of problems in the field of economy and management. Authors are invited to the publication of results of scientific research, reports of conferences, the overview of business and scientific literature, the reviews, the expert evaluations and other materials meeting the requirements of the journal. Scientists, graduate students, undergraduates, students, public men, politicians, economists from Russia, from the CIS and other foreign countries are invited to cooperation. Schedule: 4 issues a year. Languages: Russian, English. All articles published in the journal are in open access on our website and in the electronic scientific library (elibrary.ru). Certificate number of registration in Federal Service for Supervision in the Sphere of Telecom, Information Technologies and Mass Communications (ROSKOMNADZOR): ЭЛ № ФС 77 - 64116. ISSN 2500-2309
Индивидуальный предприниматель Володин Роман Сергеевич
The role of digital technologies in the post-industrial transformation of Russia
The article examines the impact of digitalization on the post-industrial transition of the Russian economy. The author analyzes the role of AI agents and platform models in the transformation of management processes.
Practice-Oriented Papers in Economics and Management
Copyright (c) 2026 "Journal "U". Economy. Management. Finance." http://creativecommons.org/licenses/by-nc/4.0
Macroeconomic instability and technological sovereignty: adaptation mechanisms in the era of digital break
The article examines mechanisms for economic adaptation to macroeconomic turbulence and rising costs. The authors analyze the role of autonomous AI agents in the transformation of production systems and substantiate the strategy of technological sovereignty.
Regional labor market: demographic determinants and structural imbalances
The article examines the development factors of regional labor markets under macroeconomic instability. Using the Republic of Bashkortostan as a case study, the link between labor potential and demographic processes is analyzed and the causes of structural imbalances are identified.
Management models transformation under dynamic instability: from decentralization to autonomous AI systems
The article examines the transformation of management models throughout the enterprise life cycle. Using LLC PC "GEOPROM" as a case study, the transition from classical decentralization to AI-agent autonomy is substantiated. It is proved that the synergy of automation and digital solutions ensures economic security and cost optimization under instability.
Administrative Offenses in the Field of Property Protection
The article examines administrative offenses concerning property protection in the Russian Federation. It analyzes the legal framework, elements of the offense, procedural aspects, and applicable sanctions. Key systemic challenges are identified, including difficulties in distinguishing administrative violations from criminal acts, the absence of a unified damage assessment methodology, and the need to regulate digital assets. The study highlights the necessity of refining legal norms to ensure effective property protection, stability in civil circulation, and sustained investment attractiveness.
Modern challenges for the Russian budget system
The paper analyses contemporary challenges for Russia’s budget system: dependence on oil and gas revenues, sanctions pressure, inflation and deficits. It examines structural problems and ways to address them, proposing strategic measures: economic diversification, digitalisation of public administration and improved budget spending efficiency.
Research Works in Economics and Management
Воздействие инфляции на благосостояние населения и пути смягчения её последствий
The article examines the mechanisms through which inflation affects population well being, including the erosion of purchasing power, income redistribution, and shifts in consumption patterns. The paper also proposes measures to alleviate the negative consequences of inflation.
Theoretical Foundations of Enterprise Economic Security
The article examines the theoretical foundations of a company’s economic security as a key factor of its sustainable development and competitiveness. It outlines the legal framework, defines the main goals, tasks, and conditions for effective functioning. The study emphasizes the need for a comprehensive approach, strategic planning, and continuous monitoring of internal and external threats to minimize risks and maintain stability.
Improving mechanisms to support small businesses in the context of reducing unemployment and increasing the economic security of the region (using the example of the Kurgan region)
The purpose of this study is to assess the impact of small business support measures on the unemployment rate and economic security of the region. The purpose of the study is to analyze the practice of social contracts and retraining programs within the framework of the national project "Cadres" for 2023-2025 in the Kurgan region. The results obtained can be used by the employment and social protection authorities in adjusting regional employment assistance programs, as well as in planning the financing of social contracts.
Internal control system as a tool for preventing fraud in an enterprise
This article focuses on the internal control system as a tool for preventing fraud in an enterprise. It presents the elements of the system, their significance, and the importance of fraud prevention.
Investments in digital technologies and their return: a macroeconomic analysis
The article presents a macroeconomic analysis of the impact of investments in digital technologies (artificial intelligence, Big Data, IoT) on sectoral productivity. Based on data for 2018–2026, an econometric model reveals the lagged effect of investments in digitalization and differentiation in returns between the service sector and the manufacturing industry.
Monetary policy and investment attractiveness of the national economy
The article examines the relationship between the monetary policy measures of the Bank of Russia and the dynamics of the national economy’s investment attractiveness in the context of a geopolitical shock. It analyses capital outflow channels and assesses the effectiveness of the regulator’s measures.
Macroeconomic policy under high uncertainty lessons from pandemics and crises
This article examines the features of macroeconomic policy in conditions of high uncertainty. Using the examples of pandemics and geopolitical crises, the adopted measures are analysed and key lessons for economic policy are formulated.
The labor market in a macroeconomically unstable environment
This article examines the features of the labor market functioning in conditions of macroeconomic instability. It analyzes the key factors influencing the transformation of labor demand and supply, as well as the mechanisms of labor market adaptation to modern challenges, including digitalization and structural changes in the economy.
The problem of the informal economy in modern Russia: scale, causes and solutions
The article analyses the problem of shadow employment in Russia, its scale, key causes of proliferation and socio‑economic consequences. Particular attention is paid to contemporary challenges associated with the digitalisation of the labour market and sanctions pressure.
Digital infrastructure as a factor of entrepreneurship development: regional disparities
The article examines the impact of digital infrastructure on entrepreneurship development in the Republic of Bashkortostan and neighbouring regions. It identifies existing disproportions affecting entrepreneurship in the era of digitalisation and proposes measures to reduce them.
Digitalization and the transformation of labor demand: macroeconomic consequences
The article examines the impact of digitalization processes, particularly the development of artificial intelligence and platform employment, on the transformation of labor demand. Based on an econometric analysis of panel data across sectors of the Russian economy for 2019–2026, a multidirectional dynamic in the demand for skilled and unskilled labor is identified, along with the macroeconomic consequences of structural shifts in the labor market.
Flexible employment as a mechanism for stabilizing the labor market in crisis conditions
The article examines flexible forms of employment and their role in maintaining macroeconomic stability during economic crises. The paper considers three key forms of employment: part-time employment, remote work, outsourcing (outstaffing). Conclusions are drawn about the function and role of flexible forms of employment in the labor market.
Tax policy in conditions of macroeconomic instability
The article is devoted to tax policy in conditions of macroeconomic instability. Using Russia as a case study, the paper analyses anti |antirecessionary measures and their impact on the economy. The following problems have been identified: uneven support, administrative complexities, and the shadow economy. Paths for improving the tax system are proposed.
The relationship between inflation, minimum wage and employment
The article presents an econometric analysis of the impact of the minimum wage and inflation on employment in the Russian Federation. Based on data for 2010–2026, a regression model reveals that an increase in the real minimum wage restrains labor demand, while inflation partially compensates for this effect.
The path to a sustainable creative economy: outlines of a strategy
The paper is devoted to the role of creative industries in the sustainable development of the Russian economy. It presents a sector development strategy up to 2030, including target indicators and mechanisms for interaction among stakeholders in the development of a creative economy.
Digital maturity of enterprises and its relationship with macroeconomic stability
This article explores the relationship between the level of digital maturity of enterprises and macroeconomic stability. The key elements of digital transformation and their impact on the resilience of the national economy are considered.
The cash phenomenon: why demand for paper money persists in the age of digitalization
This article examines the phenomenon of persistent demand for cash in the context of digitalization of the payment system. Based on data from the Bank of Russia and international studies, the factors responsible for maintaining cash in circulation are analyzed, including technological failures, the psychological need for security, financial inclusion, and the shadow economy. The aim of the study is to identify and systematize the causes of this phenomenon. The practical significance of this study lies in its substantiation of the need to preserve the cash payment infrastructure to maintain financial stability and ensure the availability of payment services for socially vulnerable groups.
Competition between bank cards and cash: who will win the battle for customer?
This article analyzes the competition between cash and non-cash payments in Russia and globally, based on data from the Bank of Russia and Worldpay 2025. It examines factors driving consumer choice and the advantages and disadvantages of payment instruments. Particular attention is paid to the paradoxical growth in demand for cash in the context of digitalization and the prospects for implementing the Fast Payment System (SBP) and the digital ruble. The objective is to identify the key factors in choosing between cards and cash. Practical significance: these findings help consumers make informed payment choices, and banks adjust their strategies given the 43% of the population's interest in cash.
Digital transformation of the banking system: the impact of financial technology (fintech) on the development of bank lending and risk management
The article is devoted to the study of the impact of digital technologies (Fintech) on the transformation of banking services, especially in the field of lending and risk management. The changes that occur due to the introduction of innovations are considered, such as improving the efficiency of credit processes, improving risk analysis, and enhancing transaction security. Special attention is paid to the advantages and challenges of digital transformation of banks and the formation of new approaches to interaction between banks and customers.
Transformation of the Russian banking system under sanctions pressure
The purpose of the study is a comprehensive analysis of structural changes in the banking system of the Russian Federation under the impact of sanctions restrictions of 2022–2025. Objectives: to identify key directions of transformation in the banking sector; to assess adaptation mechanisms of credit institutions; to determine the role of the Bank of Russia in ensuring the stability of the financial system; to analyze prospects for further development. Practical significance lies in the possibility of using the findings for developing bank risk management strategies, improving regulatory approaches, and formulating long-term programs for the development of the financial sector under external restrictions.
Bank of Russia: functions, instruments and role in ensuring the stability of the financial system
The purpose of the study is a systematic analysis of the functions, instruments and role of the Bank of Russia as a mega-regulator in the context of structural transformation of the economy. The paper examines the key areas of monetary and macroprudential policy, identifies mechanisms for managing systemic risks and ensuring financial stability. The practical significance lies in the possibility of using the research results by public authorities, credit institutions and analytical structures to assess the effectiveness of regulation and adaptation to external shocks.
Central bank as a key element of a state’s monetary system
The article considers the central bank as a system‑forming institution of the state’s monetary system. It reveals the key channels through which the Bank of Russia influences the conditions of money circulation via monetary policy, interest‑rate setting, the safeguarding of financial stability and the integration of sustainable development principles into the regulatory framework. It is shown that the transmission of regulatory decisions is implemented through the banking sector, which provides payment services, safekeeping of funds, credit to the economy and the reallocation of resources in favour of more sustainable projects. The importance of the resilience and security of the financial and banking infrastructure, including technological, operational and ESG‑related risks, is substantiated as a prerequisite for the reliable functioning of monetary circulation. The article concludes that the role of the central bank is of a complex nature, combining monetary, supervisory, infrastructural and coordination functions aimed at maintaining the stability of the national currency and the financial system.
Payment system as the foundation of efficient money circulation
The article examines the payment system as a key element of the financial infrastructure that ensures efficient money circulation amid the growing share of cashless transactions. It is shown that the speed, reliability, and security of payments depend on the technological development of infrastructure, the centralization of transaction processing, the harmonization of interbank settlements, and the standardization of financial messaging. The article substantiates the need for strategic improvement of the payment infrastructure to maintain the continuity of money flows and the resilience of money circulation.
Implementation of artificial intelligence in the enterprise management system
The article examines the features of implementing artificial intelligence technologies in enterprise management systems. The main areas of artificial intelligence application, its impact on the effectiveness of managerial decision-making, as well as key risks and limitations of implementation are analyzed. The necessity of a comprehensive approach to the integration of intelligent technologies into enterprise activities is substantiated.