Review-justification of the service “Request to Pay” (“RTP”), updating the capabilities of domestic banking functionality

The article is discussed the current state and prospects for the development of domestic financial services. We offer a flexible next generation service that is aimed at payments service, cash flow management, provision of more opportunities for users to monitor their bank accounts, establishment of a direct dialogue between payers and payees to provide customized service and customer loyalty increase. We also offer a functional set for the payment service, which is top requested in the domestic market. The importance of the service implementation has been justified for individuals, business enterprises, and state institutions. The best practice of implementation of similar services in foreign markets has been analyzed.