The article studies the state and development of non-cash transactions using the system of remote banking services in regions of the Russian Federation on the case of the Republic of Mordovia. The author notes that the promotion of non-cash payments depends on the development of the remote banking services system. In particular, it concerns payments made by natural persons, as it is much more convenient to pay for goods and services and make money transfers in any place and at any time having a remote access to a settlement or current account. However, it necessitates the safety of such payments, reliability of the system and a user-friendly interface. Due to increasing share of non-cash transactions in the Russian economy, the author analyzes the role of the remote banking service system in bank wire transfers. The study substantiates the statement that the remote banking system development stimulates the interest of individuals and legal entities in non-cash transactions. The author emphasizes that to achieve smooth functioning of payment and bank cards and to increase the share of non-cash transactions, it is necessary to create certain conditions, i.e. to build a high-quality and widespread payment infrastructure and a teller workstation infrastructure. In the Republic of Mordovia, throughout the period under review, there has been an increase in the number of ATMs and electronic terminals to effect non-cash payments by payment cards. The study includes a consideration of a cluster model of regions of the Volga Federal District in terms of the level of non-cash transactions development involving the remote banking service system.
Keywords: non-cash transactions, bank cards, remote banking, Internet banking, mobile banking, terminal banking, cluster model
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