Розвиток та використання сучасних платіжних систем

• Дата: 2024
• Автори: Євтушевська, Ольга, Чебанова, Тетяна
• Формат: Стаття
• Мова: Ukrainian
• Опубліковано: Odesa National University of Technology 2024
• Онлайн доступ: //journals.ontu.edu.ua/index.php/fie/article/view/2990
• Назва журналу: Food Industry Economics

The purpose of this article is to research the creation and development of modern electronic payment system, to conduct the dynamics of creation of payment cards and POS terminals, to tell how the first payment relations between the buyer and the seller were born in ancient times, how people bought goods for themselves, and what methods they used. This article also reveals what modern payment systems are currently offered for modern business and informs about the emergence of the National Bank of Ukraine and its creation of the PROSTIR payment system. The National Bank of Ukraine also did not forget about entrepreneurs, and for them it created acquiring, which enables entrepreneurs to immediately receive money for their services from clients on their account and for customers to pay, as it is convenient for them, and for many nowadays, it is payment by card or using the NFC system. What modern payment systems are used by customers and how to use them -this question has also been highlighted. What are these electronic payment systems anyway? An example is given of the development of an ordinary watch, which nowadays allows you to pay for goods by means of cashless payments. How people's lives have changed with the beginning of quarantine and wartime, and how modern payment systems helped and still help to make payments even at home, that is, they have their own personal bank, on their mobile device-this is another question which is paid attention to. The payment systems which are used as transfers between countries, allowing to transfer and receive funds abroad, have been listed. Banks are also interested in the use of payment systems by their customers in order to slightly reduce the load on their branches, and transfer even more payment transactions through contactless payments. But the main opponents of modern payment systems, which are accustomed to traditional calculations, without the use of electronic systems, have been given. The advantages and disadvantages of modern payment systems have been determined. Proposals have been given to reduce or completely eliminate shortcomings so that electronic payment systems are secure, fast, convenient to use in any conditions and for any category of the population. The future of payment systems of Ukraine and the world depends on the efficiency of eliminating shortcomings and modernization of existing payment systems for a wider range of non-cash payments.