Subject This article examines the factors that contributed to the emergence of varieties of electronic payment instruments and considers their types' evolution. It highlights the distinctive features of some electronic payment instruments and indicates their general characteristics and relationships. Objectives The article aims to analyze the development, current state and prospects of development of electronic payment facilities. Methods For the study, we used methods of analysis and the comparative historical method. Scientific works of domestic and foreign researchers and specialists on the theory and practice of non-cash payments are the methodological and theoretical basis of the study. Relevance The results of the research on the development aspects of electronic payment facilities can be useful for improving the national payment system of Russia. The theoretical conclusions can be used in further developments of the investigated problem, as well as for educational purposes.
Cohen B.J. Electronic Money: New Day or False Dawn? Review of International Political Economy, 2001, vol. 8, iss. 2, pp. 197–225.
Kudryavtseva Yu.V. [Online banking in Russia today: evaluation, prospects and opportunities]. Finansovaya analitika: problemy i resheniya = Financial Analytics: Science and Experience, 2016, vol. 9, no. 47, pp. 48–60. URL: Link (In Russ.)
Kara-ool A.L. [Analysis of availability of the infrastructure designed for service of the bank cardholders in the Novosibirsk region]. Vestnik NGUEU = Vestnik NSUEM, 2017, no. 2, pp. 249–259. URL: Link (In Russ.)
Kara-ool A.L., Shmyreva A.I. [The assessment of the development of cashless payments of the population on the example of Novosibirsk region]. Ekonomika i predprinimatel'stvo = Journal of Economy and Entrepreneurship, 2017, no. 5-1, pp. 302–307. (In Russ.)
Kondrashov V.A. [Trends in the development of banking innovations in Modern Russia]. Rossiiskoe predprinimatel'stvo = Russian Journal of Entrepreneurship, 2012, no. 8, pp. 101–105. (In Russ.)
Kuznetsov V.A., Yakubov A.V. [On approaches to international regulation of cryptocurrencies (bitcoin) in certain foreign jurisdictions]. Den'gi i kredit = Money and Credit, 2016, no. 3, pp. 20–29. URL: Link (In Russ.)
Makarov V.V., Kolotov Yu.O. [Development of e-Commerce]. Ekonomicheskii analiz: teoriya i praktika = Economic Analysis: Theory and Practice, 2009, vol. 8, iss. 26, pp. 60–64. URL: Link (In Russ.)
Smirnov F.A. [Transformation Of the global financial system: the blockchain, "smart contracts" and over-the-counter]. Auditor, 2017, vol. 3, no. 6, pp. 49–54. URL: Link (In Russ.)
Shmyreva A.I., Tarasova G.M. [Development of payment systems of Russia and China in the conditions of economic instability]. Idei i idealy = Ideas and Ideals, 2015, vol. 2, no. 2, pp. 5–13. (In Russ.)
Ogureeva N.V. [Economic and statistical analysis of behavioral specifics of cardholders in Russia]. Den'gi i kredit = Money and Credit, 2011, no. 12, pp. 37–43. (In Russ.)