voprecotestВопросы экономикиVoprosy Ekonomiki0042-8736Voprosy Ekonomiki, NP10.32609/0042-8736-2018-3-48-63voprecotest-385Research ArticleЭКОНОМИКА ФИНАНСОВОГО СЕКТОРАFINANCIAL SECTOR ECONOMYФинансовые технологии в сфере розничных платежей: тенденции развития и перспективы в ЕС и РоссииFinancial technologies in the field of retail payments: Current trends and perspectives in EU and RussiaТрофимовД. В.TrofimovD. V.

к. э. н., директор Высшей школы финансовых технологий Финансового университета при Правительстве РФ (Москва)

trofimov@mail.comФинансовый университет при Правительстве РФРоссияFinancial University under the Government of RFRussian Federation201820032018034863Copyright © Voprosy Ekonomiki, NP, 20182018Voprosy Ekonomiki, NPVoprosy Ekonomiki, NPhttps://www.vopreco.ru/jour/about/submissions#copyrightNoticehttps://www.vopreco.ru/jour/article/view/385

В статье анализируются тенденции развития национальных платежных систем стран Евросоюза и России: электронных и депозитных денег, расчетных карт, финансовых технологий в сфере розничных платежей. Определены факторы развития безналичных розничных платежей и национальных систем платежных карт в Евросоюзе, а также проблемы и перспективы становления этого сектора в России. Предложены рекомендации по формированию конкурентной среды и развитию финансовых технологий в сфере розничных платежей в РФ.

The article analyzes tendencies of national payment systems development in the European Union and Russia: electronic and deposit money, bank cards, financial technologies in the field of retail payments. The author identifies factors that stimulate the development of cashless retail payments and the national payment card systems in the European Union, as well as the problems and prospects of this sector forming in Russia. Recommendations on the development of a competitive environment and financial technologies in the field of retail payments in Russia are proposed.

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The authors declare that there are no conflicts of interest present.