The article discusses the concept, types of electronic money systems. The purpose of the article is to study the essence and influence of electronic money on the monetary system. The article focuses on the history of the emergence of electronic money, as well as statistical data on their use directly in payments. The authors came to the conclusion that the use of electronic money will affect monetary policy, banking supervision, the definition of money supply, monetary aggregates.

The article is devoted to the compilation of the general structure of the selling site for the implementation of proposals for the expansion of a travel company using landing pages (landing pages). the main methods on which the authors of the study relied were: theoretical analysis and synthesis, content analysis, modeling and design methods, observation. The paper reflects the main theoretical features of building a landing page, substantiates the main properties of its Internet marketing tool, and the beneficial advantage of a landing page. It is emphasized that a high assessment of the structure of the landing is its structure, the effective organization of the processes of converting pages of visitors from its clients. Based on this case, the development and testing of the structure of the selling landing site is used, covering the broad elements included in the structure. As a result, the presented elements were integrated into the structure of the selling site aimed at the tourism business. Based on the results of model testing, a growth progress of 76% has been achieved.

Analysis of the development of monetary theories indicates the importance of money in the system of economic relations. The article defines: the role, qualities, functions of money. The author mentions the gradual development of the digital ruble. In conclusion, the author points out that money is the embodiment of the economic power of the state and is intended to maintain it.

The subject of the study is inflationary taxation, which is presented as an informal form of payment in Russia, which is carried out by itself and fills the budget. The applied research methods are theoretical (analysis, synthesis, analogy, concretization and practical comparisons and observations). The authors come to the conclusion that at the same time there is a loss of real incomes of the population due to inflation, since the money available to the population and business loses its value simultaneously with the increase in prices within the country for goods and services.

The article discusses modern approaches to assessing the effectiveness of the use of intellectual property. The criteria for recognizing the results of intellectual activity in accordance with the legislation of the Russian Federation and international financial reporting standards are defined. The economic characteristics of the intangible assets of the enterprise are given. The principles of determining the value of intellectual property objects are presented. The main directions of the use of intangible assets for the purposes of the activity of an economic entity are formulated. Approaches to the definition of economic results from the introduction of the results of intellectual activity into economic circulation are proposed.

In modern conditions, an effective way to develop the Russian economy is to intensify innovation activities to create science–intensive products that can successfully compete with foreign analogues. However, the implementation of such projects is costly and highly risky. One of the promising ways to minimize project risks and attract additional investment in this area is the use of insurance tools, which allow minimizing the damage from various adverse events for the customer, investor and developer of innovations. Insurance is based on the need to form a special fund at the expense of insurance premiums paid by the insured and determined by the insurance rate for a particular type of insurance. In turn, the rate is calculated on the basis of statistical data (the number of insured events, the sum insured, damage in case of an insured event, etc.). However, it is quite difficult to generate such statistics for innovative projects due to the uniqueness of the product being created. To solve this problem, the article proposes a new approach to the formation of statistics for calculating the insurance rate when insuring product innovations. It differs by taking into account the degree of product novelty (in particular, modification, improvement or radical innovation) and based on the search for analogues using various measures of object similarity. The choice of a specific metric is based on the type of data (quantitative, categorical or mixed) of used comparative features. The application of the proposed approach by insurers should increase the availability of insurance services for innovatively active enterprises, which, in turn, will increase the attractiveness of ongoing projects. 

Business structures, scientific organizations and the state are the key subjects of national innovation systems, interacting, they form the so–called «triple helix». The subject of research in the article is the problem of the formation of the «triple helix» mechanism for the purposes of regional innovative development. In Europe, the mechanism of innovative development according to the «triple helix» model is the main one in regional development, and its components are equal partners, all three subjects interact with each other through the development of horizontal ties. In the Russian version, the mechanism has certain specifics. State funds remain the largest source of funding for Russian science. Basic scientific research is carried out by academic, not university structures. Universities do little to commercialize research results. It can be argued that in the Russian regions, the «triple helix» model as such is practically absent, however, there is some progress in its formation, there are successful examples. The authors systematize the main problems associated with the introduction of the «triple helix» mechanism and indicate directions for their solution. 

The provision of Russian regions with housing is the most significant factor affecting the quality of life of the population. The main indicators of housing conditions of the population, such as the total area of living quarters per person, determined statistically, give an idea about the current situation of housing conditions of the population in each studied period in comparison with the previous ones. In addition, the indicators of housing, differentiated by regions of the Russian Federation, show on which of them the authority should especially focus its efforts in improving housing policy and as a consequence improve the quality of life of the population in them. The subject of the article is a quantitative and qualitative analysis of the housing situation in Russia, as well as regional differentiation of housing conditions, including urban and rural areas. 

The work discusses the levels of fuel and lubricants in the CU countries and the factors of the formation of prices for them of the Kyrgyz Republic in the context of integration in the EAEU (Eurasian Economic Union) are represented. Fuel and lubricants, as a basic product, are a key factor in the price level for all types of goods and services. Quotes of fuel and lubricants in the CA countries, which are part of and not part of the EAEU, differ significantly. And the reason for this is not only the ratio of the volume of production and consumption of fuel and lubricants in each of them, but also tax, customs, tariff norms in these countries and the EAEU. Sufficient production of fuel and lubricants in the Union was noted in Belarus, Russia and Kazakhstan. From the republics of the CAA, only Turkmenistan can fully provide their economies with fuel and lubricants. The Kyrgyz Republic will have to take system measures to reduce dependence on the import of fuel and lubricants, by increasing the volume of their production, developing electric transport and overcoming the generation of electricity generation. 

The article is devoted to what is necessary first of all for organizing a creative business. The author notes that not every entrepreneur manages to properly organize this type of company. To do this, you need to pay attention to at least 5 key parameters.  

Analytical work has been carried out to study the difficulties in creating and managing a company that creates any art product — a physical goods or a service. Own methods of self–testing of the business owner and the general principle of selecting creative candidates are proposed. 

The publication is devoted to aspects of the development and understanding of professional and moral criteria in the organization of the educational process in the system of higher professional education in the Russian Federation. The crisis of the ethical component in the professional training of Russian students is argued, the importance of the development of professional ethics in the development of human potential in the interests of the Russian state and society is shown. A distinction is made between moral and professional criteria for the organization of the educational process. A system of professional and moral criteria in the educational process in the system of higher professional education, aspects of their assessment, as well as recommendations for implementation in practice are presented. 

Identification of distinctive features of the comparative characteristics of an intellectual enterprise in relation to a production and transactional enterprise, which makes it possible to determine the modes of its dynamics for changing the structure of the enterprise within the framework of the «knowledge–intelligence» matrix. 

The article considers a knowledge firm whose work is mainly focused on creating new knowledge, expanding the scope of existing knowledge, which today is a rapidly spreading form of economic organization, reflected in the theory of the firm.