Эволюция платежных систем в цифровой экономике

Abstract

The article is devoted to the analysis of influence of legal, technical, organizational and international factors on the development of the Russian payment system. The national payment system of Russia, as part of its development, designed to provide an opportunity to implement financial innovations for all market participants. The relevance of research consists in the need to improve the efficiency of payment system regulation in the conditions of their transformation and digitalization. Improvement of regulation effectiveness is possible when the interaction of factors determining the directions of development of payment system is understood. The study is aimed at the identification and the explanation of the factors of the evolution of the national payment system and their interdependencies in digital economy. The study of the factors of development of payment system is justified by the need to expand the possibilities of their practical implementation through legal regulation in modern conditions. The purpose of the study is to identify and systematize the factors that determine the direction of payment system development. The study is based on the study of the papers of leading scientists engaged in research in the field of finance, monetary theory, payment system, economic digitalization. The theoretical study is founded on the use of mental modeling, statistical research, comparative analysis and observation. The conditions of the evolution of payment systems in the digital economy within the framework of the current government program are analyzed. Specific indicators of the influence of the national program “Digital Economy of the Russian Federation” on the evolution of the payment system are indicated. Conclusions are drawn about the nature of the impact of the digitalization process on payment system. The factors that ensure the improvement of the quality of service and determine the growth of risks level in the process of digitalization of the payment system are determined. The relationship between the innovative functions of payment system and the risks arising in this case is established. The practical significance of the study lies in the possibility of efficiency improvement of the payment system by identifying the relationship between groups of factors that determine the direction of its development.