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Electronic payment facilities: Development considerations

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

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

Journal: Finance and Credit, #10, 2018

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.


Defining the nature and essence of electronic payment instruments

Kara-ool A.L. Novosibirsk State University of Economics and Management, Novosibirsk, Russian Federation ( Ayana-kara-ool@yandex.ru )

Journal: Economic Analysis: Theory and Practice, #6, 2018

Importance Recent years of Russian economic growth are characterized by vibrant development of electronic payment facilities. Every year, the share of payments effected using electronic payment instruments in the total amount of cashless transactions is increasing steadily. However, the economic nature and essence of this phenomenon is under-explored by the scientific community.
Objectives The study aims to review the existing approaches to defining the electronic means of payment, disclose their economic nature and essence, identify weaknesses and strengths of each selected approach.
Methods I apply methods of analysis of scientific and information base, and a comparative-historical method. Academic papers by domestic and foreign scientists on the theory and practice of non-cash payments serve as methodological and theoretical frameworks for the study.
Results I consider debating points related to the definition of electronic means of payment concept, clarify their functions in the system of non-cash payments, identify the role of electronic payment instruments as a dominant indicator in the positive dynamics of cashless transfers of the population.
Conclusions The results of the analysis may be useful for further research, and for educational processes.


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