DETERMINATION OF PROSPECTIVE DIRECTIONS FOR IMPROVEMENT OF CASHLESS CALCULATIONS AND THEIR STANDARDIZATION FOR THE UKRAINIAN PAYMENTS MARKET

Abstract

The current state of the banking system takes place in conditions of high competition and rapid development of innovative innovations in the field of payments. Secure and efficient payments are crucial for users, banks and the economy as a whole. That is why an important and urgent task for the state and the banking system is to understand and form a clear course for the introduction of new types of calculations. Today, the trend is non-cash payments that are increasingly pushing cash out of circulation.

The paper describes the definition of "non-cash payments" and their functioning in the light of national experience. The process of regulation of settlements by the regulatory framework in Ukraine was considered. An analysis of the self-regulation of the payment industry and the principles of its implementation in foreign countries was conducted.

The current state of non-cash payments in banks and financial institutions of Ukraine is given.

The article considers new forms of non-cash payments that are already used abroad in developed countries and the possibility of their introduction and standardization in the Ukrainian financial and banking sector.

An analysis of the state of use of plastic payment cards and modernization in Ukraine was conducted. Different types of PoS-terminals are also characterized and their comparative characteristics are carried out.

The possibility of using non-cash payments using mobile devices and the Internet has been studied. The use of telephones for payment has led to significant changes in the systems of receiving and transmitting money over the Internet. In turn, there is a problem, which is that not everywhere you can access the network to make payments. In this regard, the world's leading countries use the USSD service.

The analysis of the impact of positive and negative aspects of the use of new types of non-cash payments and analyzes their impact on the economic condition of Ukraine after the introduction of these opportunities in the banking market.

The paper presents the impact of the demographic situation and customer habits on the use of non-cash payments in Ukraine.