About of the introduction of electronic means of payments and electronic money as a modern innovative banking technologies

The scientific article discusses the issues of innovative technologies of the banking sector in terms of the introduction of electronic forms of payment in modern conditions of development of the national economic system. Attention is paid to the development of new acquiring services. Highlighted key factors that are a limiting barrier to the development of cashless payments and electronic money. It is shown that the implementation of electronic money transfers using electronic money and plastic cards becomes the most promising and popular. The authors emphasize that due to the difficult geopolitical situation in the world and the anti-Russian sanctions, Russia needs to develop its payment system. Examined expert position in terms of a positive assessment of the creation of the National Payment Card System. The authors argue that electronic money is only a flexible tool that only simplifies the interaction with cash. Users can at any time, without the personal participation of one of the parties, freely transfer a certain amount, pay for a certain service, while not disclosing personal data and all this is due to the appearance of electronic money. The development and improvement of the system of electronic payments and Internet technologies in general, may soon lead to the creation of a single international currency, with a single control center and safe control over interactions between users.