Development trends of payment ecosystems as a key link of the e-commerce infrastructure

Abstract

The article provides an analytical assessment of trends and prospects for the development of payment ecosystems as a key link of e-commerce infrastructure. The factors of the development of electronic payment systems are systematized: the formation of technical and technological prerequisites related to general digitalization (payment infrastructure, network of POS terminals; mobile telephony capabilities; Abstract. The article provides an analytical assessment of trends and prospects for the development of payment ecosystems as a key link of e-commerce infrastructure. The factors of the development of electronic payment systems are systematized: the formation of technical and technological prerequisites related to general digitalization (payment infrastructure, network of POS terminals; mobile telephony capabilities; blockchain technology; creation of robots-consultants; innovative financial services; built-in financing); formation of socio-psychological prerequisites (digital literacy of the population; affordability of mobile phones with appropriate payment services; mental understanding of the importance of the transition to digitization of payments; convenience, security and speed of cashless payments; the impact of advertising). A modern paradigm of the renewed payment ecosystem of Ukraine is proposed, which will lead to its profound positive transformation. The necessity of applying European experience in the organization and operation of payment systems in order to improve the forms of interbank settlements and increase the efficiency of the payment system of Ukraine is substantiated.