Priority of State Policy for Digitalization of Financial Services
Annotatsiya
The digitalization of financial services has transformed traditional financial systems and posed significant challenges for civil law regulation. This study aims to analyze the priorities of state policy in regulating digital financial services, with particular attention to the legal recognition of digital financial assets as objects of civil law. Using a qualitative doctrinal research methodology, the study examines peer-reviewed journal literature on fintech, cryptocurrency regulation, and civil law theory. The research relies on scholarly analysis accessed through Google Scholar and contextual regulatory information from public domain sources. The findings reveal persistent legal uncertainty regarding the classification of digital financial assets, significant fragmentation in regulatory approaches, and a growing scholarly consensus on the need for adaptive legal frameworks. The study concludes that functional, technology-neutral regulation and explicit civil law recognition of digital financial assets are essential for ensuring legal certainty, financial stability, and sustainable digital innovation.