TY JOUR TI Infrastructure and technological support for deposit operations within the framework of the digital ruble system KW digital ruble KW deposit operations KW Bank of Russia KW commercial banks KW financial stability KW regulatory framework KW cybersecurity KW online banking KW behavioral factors KW financial services KW microservice architecture KW client interface JO National Security and Strategic Planning AU Trofimov, I.A. AU Maksimova, E.A. PY 2025 IS 2025 PB Strategy of the Future