+7 925 966 4690, 9am6pm (GMT+3), Monday – Friday
ИД «Финансы и кредит»

JOURNALS

  

FOR AUTHORS

  

SUBSCRIBE

    
Finance and Credit
 

Use of electronic payment facilities: A case study of the Siberian Federal District regions

Vol. 27, Iss. 5, MAY 2021

Received: 20 April 2020

Received in revised form: 4 March 2021

Accepted: 18 March 2021

Available online: 28 May 2021

Subject Heading: Banking

JEL Classification: G21

Pages: 964–997

https://doi.org/10.24891/fc.27.5.964

Ayana L. KARA-OOL Novosibirsk State University of Economics and Management (NSUEM) Novosibirsk, Russian Federation
ayana-kara-ool@yandex.ru

https://orcid.org/0000-0002-6735-9320

Aleksandra I. SHMYREVA Novosibirsk State University of Economics and Management (NSUEM), Novosibirsk, Russian Federation
a.i.shmyreva@edu.nsuem.ru

ORCID id: not available

Subject. This article assesses the development of electronic payment facilities in the context of the declining regional coverage of commercial bank offices.
Objectives. The article aims to test a methodological approach to assessing the development of electronic payment facilities, considering the regions of the Siberian Federal District as a case study.
Methods. For the study, we used the methods of statistical and comparative analyses.
Results. The developed methodological approach to assessing the development of electronic payment facilities has been tested using the information data of the Siberian Federal District regions. The article describes the criteria for the development of electronic payment facilities.
Relevance. The findings and proposed methodological approach can be used in the development of the theory of non-cash settlements, as well as in the practical activities of the country's financial institutions. The results of the study are applied by the Ministry of Finance of the Tyva Republic and by the Division – National Bank of the Tyva Republic of the Siberian Main Branch of the Central Bank of the Russian Federation.

Keywords: electronic payment instrument, payment system, Internet banking, mobile banking, cashless transaction, POS-terminal

References:

  1. Ionov V.M. [Place and role of cash in global economy (Will cash disappear?)]. Den'gi i kredit = Russian Journal of Money & Finance, 2016, no. 10, pp. 43–50. URL: Link (In Russ.)
  2. Trachuk A.V., Golembiovskii D.Yu. [Perspectives for the expansion of non-cash retail payments]. Den'gi i kredit = Russian Journal of Money & Finance, 2012, no. 7, pp. 24–32. URL: Link (In Russ.)
  3. Trachuk A.V. [Payment landscape. The state and prospects of cash and non-cash payments]. Den'gi i kredit = Russian Journal of Money & Finance, 2014, no. 8, pp. 20–29. URL: Link (In Russ.)
  4. Trachuk A.V., Kornilov G.V. [Analysis of factors affecting the spread of non-cash payments in the retail market]. Vestnik Finansovogo universiteta = Bulletin of Financial University, 2013, no. 4, pp. 6–19. URL: Link (In Russ.)
  5. Voronkova E.K., Gromova E.I., Pausheva T.E. [Market of electronic financial services of Russia and financial inclusion: problems and possibilities]. Problemy ekonomiki i yuridicheskoi praktiki = Economic Problems and Legal Practice, 2017, no. 2, pp. 48-50. URL: Link (In Russ.)
  6. Voronkova E.K., Pausheva T.E. [Development trends of world currencies]. Bankovskie uslugi = Banking Services, 2018, no. 2, pp. 12–17. (In Russ.)
  7. 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.)
  8. 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.)
  9. Korovyakovskii D.G. [Legal framework, methods and techniques to ensure the economic security of banking activities in modern conditions]. Natsional'nye interesy: prioritety i bezopasnost' = National Interests: Priorities and Security, 2009, vol. 5, iss. 3, pp. 43–52. URL: Link (In Russ.)
  10. Korovyakovskii D.G. [Russian and foreign experience in the field of personal data protection]. Natsional'nye interesy: prioritety i bezopasnost' = National Interests: Priorities and Security, 2009, vol. 5, iss. 5, pp. 48–54. URL: Link (In Russ.)

View all articles of issue

 

ISSN 2311-8709 (Online)
ISSN 2071-4688 (Print)

Journal current issue

Vol. 30, Iss. 3
March 2024

Archive