id: 23962
Title: Features of business intelligence development in the conditions of digital transformations / Функціонування і розвиток платіжних систем в умовах цифрових трансформацій
Authors: Yurchuk N.
Keywords: payment system, electronic payment system, payment infrastructure, money transfer system, NFC-technologies, API-access, non-bank payment systems, payment innovations
Date of publication: 2020-03-19 08:46:35
Last changes: 2020-03-19 08:46:35
Year of publication: 2020
Summary: The article considers and analyzes the current state and main tendencies of development of payment systems in the conditions of digitalization.
The essence is disclosed of such definition as: "payment system". Approaches to defining the classification features of payment systems and the key elements of functioning payment systems are considered. It is indicated that the National Bank of Ukraine is the national regulator of payment and settlement systems in Ukraine. The National Bank of Ukraine is a payment organization and a settlement bank for two state payment systems: the electronic payment system and the National Payment System "Ukrainian Payment Space". To increase the reliability and efficiency of payment systems, the NBU distinguishes them by the level of importance. Current payment systems in Ukraine are analyzed. It is determined that there are 46 Ukrainian and international payment systems in Ukraine, owned by banking and non-banking organizations, residents and non-residents of Ukraine, among them one systemically important payment system of the NBU SEP, six socially important payment systems, five important payment systems. Among the card payment systems, there are two Ukrainian and four international. Positive dynamics of growth in the volume of non-cash transactions, including contactless payments, which corresponds to global trends, are revealed. Innovative payment systems using mobile applications and API-access to payment services are considered, electronic means of access such as mobile devices, mPOS-terminal, biometric data, contactless technologies − NFC-technologies, QR-technology, NS-technologies are investigated. The factors that influence the functioning of the national payment system are identified. Measures are proposed for the development of payment systems, which will contribute to the development of the economy as a result.
URI: http://repository.vsau.org/repository/getfile.php/23962.pdf
Publication type: Статті у зарубіжних наукових фахових виданнях (Copernicus та інші)
Publication: The scientific heritage. - 2020. - No 44. - Р. 68-75. - (Budapest, Hungary).
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Published by: Адміністратор
File : 23962.pdf Size : 617202 byte Format : Adobe PDF Access : For all
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