Перспективи використання банківських електронних засобів платежу

Abstract

The article explores the current trends in the development of the market of electronic payment systems, which involves the active use of innovative means of payment and strengthens the importance of non-cash payments for electronic customer service. It is substantiated that payment systems, forming an infrastructure of non-cash cash turnover, must meet the objectives of the country’s monetary policy as to targeting inflation, accelerating money circulation, maintaining liquidity, and sovereignizing national payment turnover. It is noted that the material embodiment of electronic technologies is obtained in specific payment instruments that allow carrying out settlement transactions in real time and become integral elements of the payment system. It is shown that under the influence of electronic technologies the banking business acquires new features: first, the share of traditional banking operations is reduced simultaneously with the increase in new settlement services; secondly, banking products and services based on modern information and communication technologies are constantly being improved; thirdly, the banking sector is increasingly acquiring the features of a knowledge-intensive industry, with cardinal technological changes in the process of building of payment systems. The authors call attention to that most of the reforms of national payment systems, already implemented or in the process of implementation, in order to modernize them, focus on improving payment systems mainly for large sums, although in a significant number of regions retail cash payments are still quite active. The need to increase attention from the part of the State in the person of the financial regulator to the development of the retail segment of the national payment system is emphasized.