Wyniki wyszukiwania - Biblioteka Nauki

1

INOVĀCIJAS EKONOMISKĀS IZAUGSMES UN LEJUPSLĪDES LAIKĀ NOZARU GRIEZUMĀ: DIVU POLU PIEMĒRS

100%

Šipilova V.

Sociālo Zinātņu Vēstnesis

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2012

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nr 1

43-67

EN

The article describes the original empirical research, which is based on the actual topic regarding the impact of innovation on economic development. The relevance of this topic is reinforced by the fact that the global economic downturn influenced the choice of many countries which economic sectors should form the fundament of economy. Choices are different, but the common opinion is that the economic development should be based on knowledge-intensive and high technology sectors which form the basis of an innovative economy (for example, strategy “Europe 2020” and its initiative “Innovation Union”). Making choice in favour of innovation can be justified by the essence of the new endogenous growth theory, as well as on the research findings that according to the Russian economist Kondratiev’s big cycles of conjuncture the modern economy is in its fifth stage of development meaning that the economic growth should be based on the technology, knowledge, intellectual capital and productivity. The above mentioned qualities can be achieved and developed through innovation. Taking into account the role of innovation in economic development and the recent global economic downturn, as well as its negative impact on all sectors of economy, this paper aims at characterizing the impact of innovation on sectors of economy during the periods of economic growth and downturn. The author analyses the impact of innovation on sectors of the economy in periods of economic growth and downturn which is different in economic sectors, as well as on the economy as a whole. After processing and analysis the available statistical data, the author finds that while innovation contribute to the development of economic during economic growth, in turn, during the economic downturn the most sensitive to the negative effects of economic downturn are innovative branches. The analysis is based on the examples of two poles (Sweden and Latvia). According to the Innovation Index Sweden is in the most innovative, but Latvia the least innovative country in the European Union. The research work in this article is based on the following methods: scientific methods – analysis, synthesis, monographic method; economic method – institutional analysis; statistical methods – analytical grouping, state series

2

INOVĀCIJAS EKONOMISKĀS IZAUGSMES UN LEJUPSLĪDES LAIKĀ NOZARU GRIEZUMĀ: DIVU POLU PIEMĒRS

100%

Šipilova V.

Sociālo Zinātņu Vēstnesis

|

2012

|

nr 1

43-67

EN

The article describes the original empirical research, which is based on the actual topic regarding the impact of innovation on economic development. The relevance of this topic is reinforced by the fact that the global economic downturn influenced the choice of many countries which economic sectors should form the fundament of economy. Choices are different, but the common opinion is that the economic development should be based on knowledge-intensive and high technology sectors which form the basis of an innovative economy (for example, strategy “Europe 2020” and its initiative “Innovation Union”). Making choice in favour of innovation can be justified by the essence of the new endogenous growth theory, as well as on the research findings that according to the Russian economist Kondratiev’s big cycles of conjuncture the modern economy is in its fifth stage of development meaning that the economic growth should be based on the technology, knowledge, intellectual capital and productivity. The above mentioned qualities can be achieved and developed through innovation. Taking into account the role of innovation in economic development and the recent global economic downturn, as well as its negative impact on all sectors of economy, this paper aims at characterizing the impact of innovation on sectors of economy during the periods of economic growth and downturn. The author analyses the impact of innovation on sectors of the economy in periods of economic growth and downturn which is different in economic sectors, as well as on the economy as a whole. After processing and analysis the available statistical data, the author finds that while innovation contribute to the development of economic during economic growth, in turn, during the economic downturn the most sensitive to the negative effects of economic downturn are innovative branches. The analysis is based on the examples of two poles (Sweden and Latvia). According to the Innovation Index Sweden is in the most innovative, but Latvia the least innovative country in the European Union. The research work in this article is based on the following methods: scientific methods – analysis, synthesis, monographic method; economic method – institutional analysis; statistical methods – analytical grouping, state series.

3

CAN INTERREGIONAL BRANDING STRATEGIES WORK? IMPACT OF THE “BALTIC SEA REGION’S UMBRELLA BRAND” ON THE BALTIC COUNTRIES IN AN ECONOMIC CONTEXT

63%

Šipilova V. , Baldi G.

Sociālo Zinātņu Vēstnesis

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2012

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nr 2

62-77

EN

According to the “Vilnius Declaration”, the Baltic Sea Region should become one of the most prosperous, innovative and competitive regions in the world by 2020. Achieving this goal is a challenge, because the Baltic Sea Region consists of countries that considerably differ in size and economic development. As Minister of Foreign Affairs of Lithuania Audronius Azubalis said: “The Baltic Sea Region continues to be amongst the most competitive and innovative areas in the world. However, there are still significant disparities in a competitive advantage in different parts of the region”. The Latvia, Lithuania and Estonia, which are in focus of this research, are characterized with limited economic power and country size, what could make providing successful national brand more difficult. But strengthening such an umbrella brand could have highly beneficial effects for Latvia, Lithuania and Estonia, because the development of an own successful nation brand associated with quality and competence usually takes a long time. The research aim of this paper is to evaluate whether the “umbrella” brand of the Baltic Sea Region is associated with positive economic connotations and can benefit Latvia, Lithuania and Estonia. To this aim, content analysis is used. Articles in themes of economics, business and finance from the independent weekly newspaper “The Baltic Times”, covering all three Baltic countries are analyzed and screened for the key word “Baltic Sea Region”. Standard techniques are used to evaluate whether the key word is mentioned in a positive or negative context. The findings imply that the Baltic Sea Region is often mentioned within a positive context. The mentions relate e.g. to the region’s economic potential and the possible benefits of a stronger cooperation among the individual countries. However, the research results do not indicate that there are already substantial positive spillover effects (benefits from “umbrella brand”) from one country to another.

4

CAN INTERREGIONAL BRANDING STRATEGIES WORK? IMPACT OF THE “BALTIC SEA REGION’S UMBRELLA BRAND” ON THE BALTIC COUNTRIES IN AN ECONOMIC CONTEXT

63%

Šipilova V. , Baldi G.

Sociālo Zinātņu Vēstnesis

|

2012

|

nr 2

62-77

EN

According to the “Vilnius Declaration”, the Baltic Sea Region should become one of the most prosperous, innovative and competitive regions in the world by 2020. Achieving this goal is a challenge, because the Baltic Sea Region consists of countries that considerably differ in size and economic development. As Minister of Foreign Affairs of Lithuania Audronius Azubalis said: “The Baltic Sea Region continues to be amongst the most competitive and innovative areas in the world. However, there are still significant disparities in a competitive advantage in different parts of the region”. The Latvia, Lithuania and Estonia, which are in focus of this research, are characterized with limited economic power and country size, what could make providing successful national brand more difficult. But strengthening such an umbrella brand could have highly beneficial effects for Latvia, Lithuania and Estonia, because the development of an own successful nation brand associated with quality and competence usually takes a long time. The research aim of this paper is to evaluate whether the “umbrella” brand of the Baltic Sea Region is associated with positive economic connotations and can benefit Latvia, Lithuania and Estonia. To this aim, content analysis is used. Articles in themes of economics, business and finance from the independent weekly newspaper “The Baltic Times”, covering all three Baltic countries are analyzed and screened for the key word “Baltic Sea Region”. Standard techniques are used to evaluate whether the key word is mentioned in a positive or negative context. The findings imply that the Baltic Sea Region is often mentioned within a positive context. The mentions relate e.g. to the region’s economic potential and the possible benefits of a stronger cooperation among the individual countries. However, the research results do not indicate that there are already substantial positive spillover effects (benefits from “umbrella brand”) from one country to another.

5

Environmental sustainability as social aspect for branding strategy

51%

Šipilova V. , Seydaliyeva M. , Simakhova A.

Sociālo Zinātņu Vēstnesis

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2021

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nr 2

56-76

EN

Gradual shifts in consumption philosophy towards environmental sustainability, stricter environmental regulatory measures and changes in economic relationships stimulate reconsideration of business approaches what requires reconsideration of marketing activities as well. Brand is a strong tool of marketing activities. Branding strategies allow for searching consumer interest and loyalty according to the modern trends and values. Although, at the core branding is used for gaining higher profit, nowadays, such topical social value as environmental sustainability receives higher attention from both consumers and producers, and activities towards increase of profit more and more need to be accompanied by environmental sustainability principles. Unfavorable climate change becomes as a core of social challenges among others what mirrors in increasing needs of social responsibility in business activities. In such context, environmentally sustainable consumption becomes as direction for branding activities. Interdependence between brand image and consumption indicates that branding is significant for encouraging environmentally friendly consumption behavior. There are obvious differences between promotion of products and services as basis using only economic stimulus or also environmental sustainability approach. These differences lie in values and accents required by the sense of nature preservation and social responsibility in consumption and production. For better branding practices, stakeholders need versatile knowledge about key features of traditional and green branding. The article aims to review the reasons for expansion of accents in branding towards environmental sustainability as social responsibility aspect and to present general characteristics and strategies for traditional and green branding. The authors suppose that the research results may be useful for marketing lecturers, students, business representatives and consumers.

LV

Pakāpeniska patēriņa filozofijas pāreja uz vides ilgtspēju, arvien stingrāki vides regulējošie pasākumi un izmaiņas ekonomiskajās attiecībās rada nepieciešamību pārskatīt arī pieejas uzņēmējdarbības veikšanai, kas vienlaicīgi prasa arī mārketinga aktivitāšu pārskatīšanu. Zīmols ir spēcīgs mārketinga aktivitāšu instruments. Zīmola veidošanas stratēģijas ļauj meklēt patērētāju interesi un lojalitāti atbilstoši mūsdienu tendencēm un vērtībām. Lai gan pamatā zīmolvedība tiek izmantota ar mērķi gūt lielāku peļņu, mūsdienās, līdz ar uzmanības pieaugumu tādai sociālai vērtībai kā vides ilgtspēja patērētāju un ražotāju vidū, aktivitātes peļņas palielināšanai arvien vairāk tiek papildinātas ar vides ilgtspēju principiem. Nelabvēlīgas klimata pārmaiņas kļūst par sociālo problēmu kodolu, cita starpā, kas atspoguļojas pieaugošajās vajadzībās pēc sociālās atbildības uzņēmējdarbībā. Šādā kontekstā videi ilgtspējīgs patēriņš kļūst par zīmola stratēģiju darbības virzienu. Zīmola tēla un patēriņa savstarpējā sakarība parāda, ka zīmols ir nozīmīgs, lai veicinātu videi draudzīgu patēriņu. Pastāv acīmredzamas atšķirības starp produktu un pakalpojumu pārdošanas veicināšanu, izmantojot tikai ekonomiskos stimulus vai arī vides ilgtspēju pieeju. Šīs atšķirības slēpjas vērtībās un akcentos, ko prasa dabas saglabāšanas un sociālās atbildības izjūta patēriņā un ražošanā. Uzņēmējiem un patērētājiem, kuri ir ieinteresēti labākās zīmola veidošanas praksēs, ir vajadzīgas daudzpusīgas zināšanas par tradicionālās un zaļās zīmolvedības galvenajām iezīmēm. Raksta mērķis ir aplūkot iemeslus, kuru dēļ akcenti zīmolvedībā tiek paplašināti ar vides ilgtspēju un sociālās atbildības aspektu, kā arī parādīt vispārējās tradicionālās un zaļās zīmolvedības iezīmes un stratēģijas. Autori pieļauj, ka pētījuma rezultāti var būt noderīgi mārketinga pasniedzējiem, studentiem, uzņēmumu pārstāvjiem un patērētājiem.

RU

Постепенные сдвиги в философии потребления в сторону экологической устойчивости, более строгие меры экологического регулирования и изменения в экономических отношениях стимулируют пересмотр бизнес-подходов, что требует также и пересмотра маркетинговой деятельности, в том числе такого сильного её инструмента, как бренд. Стратегии брендинга позволяют идентифицировать интересы и определять лояльность потребителей в соответствии с современными тенденциями и ценностями. Хотя по сути брендинг используется для получения более высокой прибыли, в настоящее время такая актуальная социальная ценность, как экологическая устойчивость, привлекает повышенное внимание как со стороны потребителей, так и со стороны производителей, и деятельность, направленная на увеличение прибыли, всё больше и больше должна основываться на принципы экологической устойчивости. Неблагоприятное изменение климата стало одной из основных социальных проблем, что выражается в растущей потребности в социальной ответственности предпринимательской деятельности. В этом контексте экологически устойчивое потребление становится направлением для брендинговой деятельности. Взаимозависимость между имиджем бренда и потреблением указывает на то, что брендинг играет важную роль в стимулировании экологически безопасного поведения потребителей. Существуют очевидные различия между продвижением товаров и услуг с использованием только экономических стимулов и продвижением товаров и услуг на основе подхода экологической устойчивости. Эти различия заключаются в ценностях и акцентах, необходимых для сохранения природы и социальной ответственности в потреблении и производстве. Предпринимателям и потребителям, заинтересованным в улучшении практики брендинга, необходимы разносторонние знания о ключевых особенностях традиционного и зелёного брендинга. В статье рассматриваются причины, стимулирующие расширение акцентов в брендинге в направлении экологической устойчивости и социальной ответственности, а также представлены общие характеристики и стратегии традиционного и зелёного брендинга. Авторы полагают, что результаты исследования могут быть полезны преподавателям и студентам по маркетингу, представителям бизнеса и потребителям.

6

Adjusting institutional environment of banks to climate change and risks

51%

Šipilova V. , Menshikov V. , Baltgailis J.

Sociālo Zinātņu Vēstnesis

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2022

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nr 1

7-25

EN

Adjusting institutional environment of banks to climate change and risks Climate change issues increase the role of sustainable economic growth, which requires sustain#able financial sector. For development of sustainable financial sector, results of scientific studies demonstrate a special role of banks, which are able to generate private investments for environmental and consequent socio-economic challenges. According to scientific literature, the authors emphasize that involvement of banks in development of sustainable financial sector depends on three directions for addressing climate change in financial sector - climate risks assessment practices, regulatory framework that takes into account climate change and characteristics of climate risks, corporate social responsibility. Additionally, the recent knowledge displays that climate change appears as cascading risks with possible negative effects on soundness of banking sector. As far as institutional environment of banks is substantial for their soundness, special attention has to be paid to its characteristics in the context of climate change and climate risks, which actualize necessity of adjustments. The aim of the present study is to find, which accents appear for each factor of institutional environment of banks as well as to expand a set of factors by understanding a place of climate change and climate risks through their effects on financial sector. As a result of the analysis, for the institutional environment of banks, the authors indicate new accents, which appear due to climate change and climate risks as well as offer additional factors such as regulatory framework for banks in terms of climate change, social responsibility of banks related to climate change as well as application of financial instruments for development of technologies for solving environmental issues. The novelty of research appears in the complex considering of institutional environment of banks in the context of climate change what rarely is presented in studies.

LV

Klimata pārmaiņu radītas problēmas palielina ilgtspējīgas ekonomiskās izaugsmes lomu, kurai ir nepieciešams ilgtspējīgs finanšu sektors. Zinātnisko pētījumu rezultāti parāda, ka ilgtspējīga finanšu sektora attīstībā īpašu lomu spēlē bankas, kuras spēj piesaistīt privātās investīcijas vides un no tiem izrietošiem sociālekonomiskiem izaicinājumiem. Analizējot zinātnisko literatūru, autori uzsver, ka banku iesaiste ilgtspējīga finanšu sektora attīstībā ir saistīta ar trim virzieniem, kuri nosaka, kā risināt klimata pārmaiņu jautājumus finanšu sektorā - klimata risku novērtēšanas praksēm, normatīvo regulējumu, kas ņem vērā klimata pārmaiņas un klimata risku iezīmes, korporatīvo sociālo atbildību. Turklāt, jaunāko pētījumu rezultāti parāda, ka klimata pārmaiņas parādās kā kaskādes riski ar iespējamu negatīvu ietekmi uz banku sektora stabilitāti. Tā kā banku institucionālā vide ir būtiska to stabilitātei, īpaša uzmanība jāpievērš tās īpatnībām klimata pārmaiņu un klimata risku kontekstā, kas aktualizē nepieciešamību pielāgoties. Šī pētījuma mērķis ir noteikt jaunus akcentus katram banku institucionālās vides faktoram kā arī paplašināt faktoru kopumu, izprotot klimata pārmaiņu un klimata risku vietu caur to ietekmi uz finanšu sektoru. Analīzes rezultātā autori parāda jaunus akcentus banku institucionālajā vidē, kas parādās klimata pārmaiņu un klimata risku ietekmē, kā arī piedāvā papildu faktorus, kā piemēram, banku normatīvais regulējums un banku sociālā atbildība klimata pārmaiņu jomā, kā arī finanšu instrumentu pielietošana tehnoloģiju izstrādei apkārtējās vides problēmu risināšanai. Pētījuma novitāte parādās kompleksajā banku institucionālās vides analīzē klimata pārmaiņu kontekstā, kas pētījumos tiek atspoguļots reti.

RU

Проблемы изменения климата повышают роль устойчивого экономического роста, для которого необходим устойчивый финансовый сектор. Результаты научных исследований демонстрируют, что особую роль для развития устойчивого финансового сектора играют банки, которые способны привлекать частные инвестиции для решения экологических и вытекающих из них социально-экономических задач. После анализа научной литературы, авторы подчеркивают, что участие банков в развитии устойчивого финансового сектора связано с тремя направлениями для действий с изменением климата в финансовом секторе – практиками оценки климатических рисков, развитием нормативно-правовой базы согласно тенденциям изменения климата и особенностями климатических рисков, корпоративной социальной ответственностью. Кроме того, результаты новейших исследований показывают, что изменение климата проявляется в виде каскадных рисков с возможным негативным воздействием на стабильность банковского сектора. Поскольку институциональная среда банков существенна для их стабильности, особое внимание необходимо уделять ее характеристикам в контексте изменения климата и климатических рисков, что актуализирует необходимость адаптации. Целью настоящего исследования является определение новых акцентов для факторов институциональной среды банков и расширение набора факторов за счет понимания места изменения климата и климатических рисков через их влияние на финансовый сектор. В результате анализа для институциональной среды банков авторы указывают новые акценты, которые появляются в связи с изменением климата и климатическими рисками, а также предлагают дополнительные факторы, такие как нормативно-правовая база для банков и социальная ответственность банков в условиях изменения климата, применение финансовых инструментов для разработки технологий для решения экологических проблем. Новизна исследования заключается в комплексном рассмотрении институциональной среды банков в контексте изменений климата, что редко представлено в исследованиях.

7

THE PLACE OF FINANCIAL TECHNOLOGIES WITHIN INSTITUTIONAL ENVIRONMENT OF BANKS AND THEIR EVALUATION

51%

Šipilova V. , Menshikov V. , Baltgailis J.

Sociālo Zinātņu Vēstnesis

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2020

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nr 2

114-126

EN

The article aims to clarify the place of financial technologies within institutional environment of banks and to consider approaches for their evaluation. For the purpose of the article, the authors use the experience presented in scientific literature. Financial technologies (widely called as Fintech) have great role for bank successful functioning and competing and can be considered as meaningful element of versatile nature of institutional environment of banks. In its sense, Fintech has not univocal definition. The main distinguishing feature between varied meanings for Fintech relates to understanding whether Fintech is innovative process or participant of financial market. However, all possible meanings devoted to the sense of Fintech relate to the core term - technologies. Thus, the place of Fintech within institutional environment of banks has to be clarified according to varied definitions, but related to technologies. As a result, according to the authors’ supposition Fintech place within institutional environment of banks could be included in the technological conjuncture and considered in context of impact (from Fintech), interaction (with Fintech) and integration (of Fintech). Similarly, the question on evaluation of Fintech is analysed according to their impact, interaction and integration. It is noteworthy that indicators used for evaluation of Fintech relate not only particularly to financial market and financial institutions but also to general characteristics when most of them represent also other scientific disciplines than economics. Mix of indicators used for Fintech evaluation demonstrates transdisciplinary approach for solving the questions of financial nature. The results of the study offer a structured approach to understanding the place of financial technologies within institutional environment of banks and a classified set of thematic indicators for evaluation of financial technologies.

8

Digital currencies and financial literacy: essay on sustainable finances’ perspectives

51%

Baltgailis J. , Meņšikovs V. , Šipilova V.

Sociālo Zinātņu Vēstnesis

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2023

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nr 2

7-24

EN

Nowadays, financial system is experiencing both technological and organizational changes. Moreover, the efforts to develop financial sector have to be in align with sustainability principles, especially, paying attention to financial stability, financial inclusion and climate change. Scientists and practitioners consider digital currencies as initiative of Fintech, which may be possible tool for developing sustainable finances. At the moment, opinions concerning positive and negative effects from digital currencies on financial system are shared. Additionally, technological and organizational changes of financial system have to be clear and understandable for society, i.e. potential customers of financial services. In the article, the authors consider the stimuli for possible changes in financial system, present positive and negative peculiarities of today’s development tendencies, and indicate encouraging and hindering factors for application of digital currencies. Stability of financial system, financial data privacy, competition, appropriate business models are the issues, which are at the core of discussions devoted to the modern changes in financial system. In the light of modern changes in financial system, special attention has to be devoted to financial literacy. The article provides novelties in the field of sustainable finances. First, the article aims to join discussions on technological solutions for development of sustainable finances with focus on digital currencies and financial literacy. Second, the article analyses both academic and gray literature. Third, additional novel contribution of the article relates to the educational purpose, i.e. to present sustainable finances’ perspectives for wide audience of researchers, practitioners, and students.

LV

Mūsdienās finanšu sistēma piedzīvo gan tehnoloģiskas, gan organizatoriskas pārmaiņas. Turklāt, finanšu sektora attīstībai ir jānotiek saskaņā ar ilgtspējas principiem, īpašu uzmanību pievēršot finanšu stabilitātei, iekļaujošiem finanšu pakalpojumiem un klimata pārmaiņām. Zinātnieki un praktiskās jomas pārstāvji uzskata digitālo valūtu par finanšu tehnoloģiju iniciatīvu, kura var kalpot par iespējamo instrumentu ilgtspējīgo finanšu attīstībai. Šobrīd viedokļi par digitālās valūtas pozitīvo un negatīvo ietekmi uz finanšu sistēmu dalās. Turklāt, finanšu sistēmas tehnoloģiskām un organizatoriskām pārmaiņām ir jābūt skaidrām un saprotamām sabiedrībai, t.i., potenciāliem finanšu pakalpojumu klientiem. Rakstā autori aplūko stimulus, kuri veicina iespējamās pārmaiņas finanšu sistēmā, iepazīstina ar mūsdienu attīstības tendenču pozitīvām un negatīvām īpatnībām un norāda uz digitālās valūtas pielietošanu veicinošiem un kavējošiem faktoriem. Finanšu sistēmas stabilitāte, finanšu datu privātums, konkurence, piemēroti uzņēmējdarbības modeļi – tie ir jautājumi, kuri atrodas mūsdienu finanšu sistēmas pārmaiņām veltīto diskusiju centrā. Ņemot vēra mūsdienu pārmaiņas finanšu sistēmā, īpaša uzmanība ir jāpievērš finanšu pratībai. Raksta jauninājumi finanšu ilgtspējas izpētes jomā ir saistīti, pirmkārt, ar iesaisti diskusijās par tehnoloģiskiem risinājumiem ilgtspējīgo finanšu attīstībā ar akcentu uz digitālo valūtu un finanšu pratību. Otrkārt, rakstā tiek analizēta gan akadēmiskā, gan pelēkā literatūra. Treškārt, raksta papildus jauninājums ir saistīts ar izglītojošo mērķi, t.i. prezentēt ilgtspējīgo finanšu perspektīvas plašākai pētnieku, praktiķu un studējošo auditorijai.

RU

В настоящее время финансовая система переживает как технологические, так и организационные изменения. Более того, усилия по развитию финансового сектора должны соответствовать принципам устойчивости, особенно в области финансовой стабильности, финансовой доступности и изменения климата. Ученые и практики рассматривают цифровые валюты, как инициативу финансовых технологий, которая может послужить возможным инструментом для развития устойчивых финансов. На данный момент мнения о положительном и отрицательном влиянии цифровой валюты на финансовую систему разделяются. Кроме того, технологические и организационные изменения финансовой системы должны быть обоснованными и понятными обществу, то есть потенциальным потребителям финансовых услуг. В статье авторы рассматривают стимулы возможных изменений в финансовой системе, представляют положительные и отрицательные особенности современных тенденций развития, указывают стимулирующие и сдерживающие факторы для применения цифровой валюты. Стабильность финансовой системы, конфиденциальность финансовых данных, конкуренция и подходящие бизнес-модели – вопросы, которые лежат в основе дискуссий, посвященных современным изменениям финансовой системы. В свете современных изменений финансовой системы особое внимание должно уделяться финансовой грамотности. Новизна данной статьи в области исследования устойчивых финансов проявляется, во-первых, в присоединении к дискуссиям о технологических решениях для развития устойчивых финансов с акцентом на цифровые валюты и финансовую грамотность. Во-вторых, в статье анализируется как академическая, так и серая литература. В-третьих, дополнительная новизна статьи связана с образовательной целью, т.е., представить широкой аудитории исследователей, практиков и студентов перспективы развития устойчивых финансов.