The adaptation of ways and methods of risk minimization in local payment systems in public transport

The problems of risk management gain special relevance in the conditions of payment systems development in public passenger transport in Russia. The risk carriers as well as the sources of their occurrence are revealed; the characteristics of private risks of individual participants in the system of public passenger transport are presented. The directions of risk management in relation to the payment system in public transport are reasoned and structured. It is proved that the choice of specific ways to minimize the risks in local payment systems in public transport is conditioned by the following factors - the nature of the payment system integration in public transport areas, the temporary nature of risk components effect due to the improvement of organizational, economic and technological factors, the change of the stages of payment systems development, the evaluation of risks effects. The article reasons the possibility of using and adjusting traditional ways (risk evasion, risk compensation, decrease in risk level, risk transfer, distribution of risk between participants) and the methods of risk management in the payment systems in public transport according to the stages of their development and functioning for the processing center, passenger motor transport organizations, financial center and passengers (payers). The authors justify the directions of integrating the local payment systems of public transport in the national payment system, taking into account the risks involved in the activity of its members.