mgimobusinessМеждународный бизнесInternational Business2949-639XФонд поддержки образовательных инициатив «Новый взгляд»mgimobusiness-20Research ArticleСтатьиГлобальные вызовы и основные направления эволюции платежных системGlobal challenges and major trajectories of payment systems evolutionhttps://orcid.org/0000-0003-1907-8417ТуруевИ. Б.TuruevI. B.

Игорь Борисович Туруев, доктор экономических наук, профессор

кафедра международных финансов

119454

пр. Вернадского, 76

Москва

РИНЦ Author ID: 455810

Scopus Author ID: 57466995400

Igor B. Turuev, Doctorate degree in Economics, Professor

Department of International Finance

119454

76, av. Vernadsky

Moscow

RSCI Author ID: 455810

Scopus Author ID: 57466995400

https://orcid.org/0000-0002-1041-9150ПерцеваС. Ю.PertsevaS. Y.

Светлана Юрьевна Перцева, кандидат экономических наук, доцент

кафедра международных финансов

119454

пр. Вернадского, 76

Москва

РИНЦ Author ID: 810669

Scopus Author ID: 58176139000

Researcher ID (WoS): E-5071-2017

Svetlana Y. Pertseva, PhD in Economics, Associate Professor

Department of International Finance

119454

76, av. Vernadsky

Moscow

RSCI Author ID: 810669

Scopus Author ID: 58176139000

Researcher ID (WoS): E-5071-2017

МГИМО МИД РоссииРоссияMGIMO UniversityRussian Federation20231907202301 (3)1432Copyright © Туруев И.Б., Перцева С.Ю., 20232023Туруев И.Б., Перцева С.Ю.Turuev I.B., Pertseva S.Y.This work is licensed under a Creative Commons Attribution 4.0 License.https://ibj.mgimo.ru/jour/article/view/20

   Платежные системы как одно из направлений цифровой трансформации глобальной финансовой системы изучены недостаточно полно и объективно. Некоторые исследователи считают, что платежные сервисы составляют значительную часть всех финтехпроектов. Это связано с относительной простотой платежей как  финансовых продуктов [1]. Во-первых, финтехкомпании, специализирующиеся на платежах, могут относительно быстро и дешево увеличить свою клиентскую базу. Во-вторых, нынешний уровень технологического развития в сфере платежей позволяет постоянно внедрять новые возможности, основанные на инновациях. В-третьих, платежи – это финансовые услуги, наиболее популярные как среди юридических, так и среди физических лиц. Например, на сегодняшний день трансграничные платежи рассматриваются как один из ключевых инструментов санкционного давления [2].

   Принимая во внимание эти факторы, цель данной статьи – представить обзор текущих тенденций и вызовов развития глобальной платежной индустрии.

   Payment systems, as one of the areas of global financial digital transformation, have not been studied thoroughly and objectively. Some researchers believe that payment services make up a substantial share of all fintech projects. This is determined by the relative simplicity of payments as financial products [1]. First, fintech companies engaged in payments business are able to expand their customer base relatively fast and at low cost. Second, today’s technological development in payments enables constant introduction of new innovation-driven features and capabilities. Third, payments are financial services that are most popular with both legal entities and individuals. For instance, today cross-border payments are viewed as one of the key tools of sanctions pressure [2].   With these factors in mind, the objective of this article is to provide an overview of current trends and challenges in the development of the global payment industry.

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