«Finance and credit»

Risk evaluation of payment systems based on internet technologies

Journal Finance and credit
1(385) - 2010 January

Rubric: Banking

Tsaregorodtsev E.I. doctor of science economics, professor, department chairman of economic cybernetics of Mari State University dis.sovet@mail.ru

Smyshlyaeva A.N. graduate student, Mari State University sashawave@rambler.ru

     In connection with development of internet technologies business extends the sphere of its influence, as a result the question of taking a new market segment for commercial banks have a great importance too. Internet-banking is one of the options how commercial banks can offer remote services. In the present work probable development perspectives and organization of payment system are examined. There are also taken into consideration the organization of payment system based on internet technologies. New method of risk evaluation is described also according to the theory of queuing analysis. It is concluded that using this method commercial banks can make a financial affectivity of integrating system.

Keywords: payment system, operational risk, internet-banking, evaluation

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