Issue №: 7 (47)
The magazine deals with the problems of the agricultural sector of the economy in the context of integration and processes of globalization. Attention is paid to the issues of development of digital economy, rural territories, technologies of enterprise management and organization of accounting, problems of legal support of economic processes, market tendencies of development of various branches of economy. Particular attention is paid to green tourism as a promising segment of the national economy.
FUNCTIONING AND DEVELOPMENT OF PAYMENT SYSTEMS IN THE CONDITIONS OF DIGITAL TRANSFORMATIONS
YURCHUK Natalia – Candidate of Economic Sciences, Associate Professor of the Department of
Computer Science and Economic Cybernetics, Vinnytsia National Agrarian University (21008, 3.
Sonyachna str, Vinnytsia, е-mail: urnata@vsau.vin.ua).
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.
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About journal
051 Economics
071 Accounting and taxation
072 Finance, banking and insurance
073 Management
075 Marketing
076 Business, trade and exchange activities
241 Hotel, restaurant and catering
281 Public administration
The journal “Economy, finances, management: Topical issues of science and practice” is included in the "List of Scientific Professional Editions of Ukraine".
The scientific edition is assigned the Category "Б" in the field of economics in specialties 051, 071, 072, 073, 075, 076, 241, 281
(Order of the Ministry of Education and Science of Ukraine No. 249, March 17, 2020).
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The editorial board of the journal is guided by the principles of scientific, objectivity, professionalism, informational support of the most significant innovative researches, observance of standards of publishing ethics.
The purpose of the journal "Economics, finances, management: Topical issues of science and practical activity» is the coverage of leading scientific ideas in the economic, financial and management activities of the sectors of the national economy and the involvement of representatives of the domestic and foreign scientific professional community.
Objectives of the journal:
- publication of research findings on innovation in the economy, financial and management spheres, innovation of production processes;
- expanding partnerships with international scientific publishing organizations;
- enhancing the culture of reviewing and annotating published material;
- adherence to editorial ethics.
Article publishing is a paid service. Cost for printing in professional publications in accordance with the Decree of the Cabinet of Ministers of Ukraine of August 27, 2010 No. 796 "On approval of the list of paid services that can be provided by state educational institutions, other institutions of the educational system belonging to state and communal ownership" and the order Rector of the Higher Education University Mazura VA dated March 14, 2018 No. 93 “On setting the cost of printing in professional editions of the University”.
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An additional copy of the magazine with the mailing list costs 450 UAH.
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It was founded in 1997 under the name "Bulletin of the Vinnytsia State Agricultural Institute". In 2010-2014 he was published under the title “Collection of scientific works of Vinnitsa National Agrarian University”.
From 2015 ”Economy, finances, management: Topical issues of science and practical activity” (Certificate of State Registration of Mass Media No. 21154-10954 of PR as of December 31, 2014)
According to the decision of National Council of Television and Radio Broadcasting of Ukraine from 25.04.2024 No. 1337 the scientific journal «Economy, finances, management: topical issues of science and practical activity» has the ID of the Media R30-05171.
