Вітчизняна практика використання банківських платіжних карток в Україні

Abstract

В статі розкрито, що вітчизняний ринок банківських платіжних карток стрімко розвивається. Виявлено, що на сучасному етапі здійснення платіжних відносин банківська сфера модернізується та безупинно удосконалює функціонування: здійснюється збільшення кількості клієнтів банківських установ та відкриття рахунків. Але подальший розвиток вітчизняного ринку банківських платіжних карток в більшій мірі залежить від вирішення проблем, пов’язаних із можливістю впровадження нових сервісів і видів банківських послуг за банківськими платіжними картками, стримуванням проявів монополізму на ринку платіжних операцій, перспективними заходами щодо подальшого розвитку платіжної інфраструктури, а також врегулювання інституційних недоліків розвитку фінансового сектора загалом.

At the present stage of banking services, development card payment technologies are becoming more and more important since over recent years more and more Ukrainians have been using non-cash form of payment which is connected with the efficiency, speed, reliability and convenience of such a kind of payment. Payment operations by bank payment cards have expanded a range of services which a banking institution can render to all economic agents and, as a result, the amount of profit grows; moreover, its clients are provided with true information about consumer preferences. It has been revealed in the article that the domestic market of bank payment cards is developing rapidly. It has been discovered that at the current stage of payments the banking sector is being upgraded and its functioning is being continuously improved: a number of bank clients and account openings are being increased. In trade and services the bank payment card plays the main role as plenty of payments and banking operations are made due to this kind of card and it is the most convenient method of payments between entities. The hastening changes in technology in the sphere of non-cash payments stimulates banking institutions to issue bank payments cards in great number which leads to increased competition at the payment cards market. This in turn leads to the fact that banking institutions are constantly improving various kinds of this product which will satisfy growing consumer needs for complex service of both public and entities. In the modern world, where there is a constant active development of the Internet, the economy is moving to a new stage of its growth – a digital one, banking institutions enter into VR relations with their clients, even digital banks are created which can render services to clients via mobile apps. Therefore, there are new requirements for payments cards regarding the mechanism of money resources transfer and payments. However, further development of the domestic market of bank payment cards mainly depends on resolving problems connected with implementation of new services and kinds of banking services by bank payment cards, containment of monopolism at the payment market, prospective measures for further development of payment infrastructure, and settlement of institutional gaps in the development of the financial sector in general.