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3ԳԻՏԱԿԱՆ ԱՐՑԱԽ
SCIENTIFIC ARTSAKH
НАУЧНЫЙ АРЦАХ
№ 3 (22), 2024
KEY TYPES OF AUTOMATED INNOVATIVE PAYMENT SYSTEMS AND
THEIR SIGNIFICANCE IN THE BANKING SECTOR
UDC 336.7
DOI: 10.52063/25792652-2024.3.22-229
INESA NUSHIKYAN
Ameriabank CJSC, Executive Office,
Documentation Flow Management Service, Specialist;
Armenian State University of Economics, the Faculty of Finance,
Chair of Banking and Insurance, Ph.D.Student
Yerevan, the Republic of Armenia
ORCID: 0009-0006-4880-3859
The main purpose of the article is to study the main types of automated
payment systems, their application, transactions and further development
stages in the banking sector.
To achieve the goal, the following tasks were set: to study the process of
implementing automated processes in the bank, to understand the main target
groups and, based on that, to develop measures to expand the possibilities of
using automated payment systems.
In order to nvestigate the primary types of automated payment systems
and their roles within the banking sector, the study employed the following
research methods: deductive method, inductive method, analysis method,
graphical method.
The main conclusion of the research is that considering the complex
external environment and strong competition, banks need to continuously track
developments in the banking services sector and utilize automated tools. This
approach can contribute to the effective and stable growth of the banking
system. Over time, the stable development of automated payment systems
could boost economic stability, enhance customers' media literacy, and
improve their financial and economic skills. Such advancements could pave the
way for updating banking resources and potentially attract additional financial
investment.
Keywords:
Automated solutions, innovations, banking sector, payment
methods, card operations, ATMs, transactions.
Introduction
The economy today is built on a network of daily transactions, with payment
systems and financial settlements between economic entities at its core. The article
highlights that modern economic relations are fundamentally based on these
settlements and payments, which enable the resolution of mutual obligations and
demands. The development of a country's economic system is unimaginable without
the efficient implementation of payment systems and contemporary payment methods.
Հոդվածը ներկայացվել է 25.08.2024թ., գրախոսվել` 30.09.2024թ., տպագրության
ընդունվել` 31.10.2024թ.:
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Based on current experience, it is evident that solving both short-term and longterm financing and lending challenges in the economy requires the development of
diverse cashless payment methods and mechanisms. The article’s analysis shows
that commercial banks handle the majority of cashless transactions, carrying out key
payment and settlement roles within the national payment system. The effectiveness
of national economies across all countries is closely tied to the optimization of their
payment systems.
To enhance the efficiency of collaboration between banks, their partners, and
clients, specialized automated banking systems are designed and deployed. These
systems function on the electronic platforms of the bank's internal or external
networks.
There is a growing emphasis on the role and application of innovative
technologies in the banking sector, driven by unprecedented global changes and the
evolving demands of customers facing contemporary challenges.The evolution of
automated payment systems is influenced by the increasing demands of both banks
and customers. It is crucial to recognize that the level of societal advancement in a
country is largely determined by its economic condition. Automated payment systems
offer an effective solution for processing payments for goods and services securely
and promptly. It is widely recognized that automation involves substituting human
physical and cognitive work with technological tools that deliver the same or even
higher levels of productivity and quality. Although this substitution is only partial, it
helps conserve both time and various resources.
The importance of this topic is clear, given that the effectiveness of the banking
sector’s operations fundamentally depends on the successful implementation of
automated payment systems.
Based on the types of ATMs discussed on the mentioned sites, here are some
of the most commonly used ATMs around the world:
1. Green Label ATMs: Designed for agricultural-related transactions.
2. Orange Label ATMs: Used for handling stock transactions.
3. Pink Label ATMs: Catered specifically for women, aimed at reducing wait
times.
4. Yellow Label ATMs: Intended for transactions related to electronic
commerce.
5. White Label ATMs: These are alternatives to bank-owned ATMs and are
typically deployed to expand ATM networks in regions where it is not economically
viable for banks to place their own ATMs.
Transaction Analysis Performed by Automated Payment Systems
In Armenia, automated payment systems encompass the various forms,
methods, and frameworks for cashless transactions. This system operates based on
the regulation of the monetary supply and its volume in circulation. The central bank's
policies are designed to preserve the stability of the currency’s purchasing power and
to ensure the seamless functioning of monetary transactions.
Let's consider the relative weight of the volume of automated payments in the
given chart. In 2019, automated operations in the territory of RA had an increase of
1.3% compared to the previous year. 2020 is seeing a big increase considering the
situation caused by the covid 19 pandemic. During the mentioned year, automated
operations made up 37.4%, registering an increase of 6.1% compared to the previous
year.
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Figure 1. The share of the volume of automated payments in the total, 20072024 (%). (Central bank of Armenia)
In 2021, the indicator decreased by 1.9%, and in 2022, compared to the
previous year, the change almost did not change - 35.4%. In 2023, the share of the
volume of automated payments increased by 0.6% compared to the previous year,
and in 2024 by 0.5%, making 36.5%.
In the banking sector, cashless transactions are typically conducted via card
accounts. The following analysis will focus on the volume of card transactions in
Armenia, categorized by the different types of services provided.
Figure 2. Distribution of Card Transaction Volumes by Service Type, 2020-2023
(%). (Union of Banks of Armenia. Accounts, Payment Cards, and Transfers.)
Based on the data from the Union of Banks of Armenia, it is clear that the
volume of transactions conducted through ATMs decreased by 14.7% between 2020
and 2022. However, as of June 2023, there was a 1.1% increase in ATM transactions
compared to the previous year. In contrast, transactions through terminals have seen
a growth from 2020 to 2023. Additionally, online cashless transactions grew by 9%
from 2021 to 2023. This growth trend is also evident in the number of such
transactions.
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Figure 3. Percentage of card transactions by type of service, 2020-2023 (Central
Bank of Armenia, Reports, 2018-2023)
The line chart shows a 23.9 percentage point decline in ATM transactions from
2020 to 2023, while transactions via terminals grew by 19.3 percentage points. The
expansion of ATMs within the Armenian banking sector is depicted in the following
chart.
Figure 4. Increase in the number of ATMs in the Armenian banking sector, 20202023 (units) (Union of Banks of Armenia, The Banking System of Armenia in
Numbers. // )
According to the line chart data, the number of ATMs showed notable
fluctuations during the specified period. There was a 3.2% increase in 2022 compared
to the previous year. However, in 2023, the number of ATMs fell by 17 due to
technical difficulties. As information technology continues to advance, the range and
development of automated service options are also evolving rapidly.
To conclude, automated financial transactions offer significant benefits. They
streamline financial operations, making them more efficient and accessible at all times.
Users can conduct payments securely, saving time and keeping track of receipts and
payment history. This system effectively addresses the needs of today’s users by
enhancing the speed and convenience of payments.
Banking sectors and the services they provide vary widely from country to country,
shaped by social, economic, and cultural factors. It is clear that developed nations
generally exhibit a higher level of innovation in banking compared to developing
countries. These disparities are driven by several key factors, such as awareness, age,
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education level, and proficiency with computers and the internet. (In Skolkovo, the most
innovative banks in Russia for 2022 were announced 2023).
The next chart shows the share of automated payment systems across different
countries banking sectors.
Figure 5. Percentage of automated payment systems utilization in banking
sectors across various countries, 2021-2023 (The Statistics Portal for Market Data)
Based on the data, the United States is the leader in the adoption of automated
payment systems, with rates of 51% in 2022 and 61% in 2023. China comes next, with
48% in 2022 and 51% in 2023. The lowest usage of automated payment systems is in
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South Africa. Despite Argentina and South Africa having the lowest percentages, they
have shown the most significant relative growth.
Within the framework of the topic, in the article we also touched on
cryptocurrencies. As automated payment systems, cryptocurrencies provide a
decentralized and secure way to exchange value. They eliminate middlemen, enabling
fast and cheap transactions on a global basis. The use of smart contracts allows you
to automate processes, which opens up new business opportunities. However, it is
important to be aware of the risks associated with volatility and legal aspects.
Cryptomarkets are decentralized financial platforms where cryptocurrencies and other
digital assets are exchanged. Operating outside of traditional financial institutions,
these marketplaces provide users with anonymous and fast transactions, making them
attractive to investors and traders. Cryptocurrencies such as Bitcoin, Ethereum and
many others are traded on crypto exchange platforms where participants can buy, sell
and trade their assets. Today, crypto markets continue to evolve and their influence on
the global economy is growing. As the financial landscape changes rapidly, it is
important to be aware of both the opportunities and risks associated with this new and
rapidly evolving industry.
The given chart shows the daily growing dynamics of cryptocurrencies in the
world.
Figure 6. Number of cryptocurrencies in the world from 2013 to March 2024 (The
Statistics Portal for Market Data)
The graph shows that from 2013 to 2017, cryptocurrencies showed slow
growth, but they did grow. In 2018-3021, they increased by about 3000 per month,
after which the number was 6044 in July, in August 2021, compared to July of the
same year, the number decreased by 204, after which it increased from October to
January 2022. In recent years, however, there has been a decrease in the number of
cryptocurrencies.
The other chart shows several assets in the crypto market that are leading the
way in terms of market capitalization, popularity, and usage. Bitcoin remains the
largest and most popular cryptocurrency. Its wide acceptance among investors and
the growing number of companies accepting it as a payment method contribute to its
popularity.
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Figure 7. Cryptocurrencies with the largest market capitalization and their
market prices in 2024 on October 7 (CoinMarketCap)
Payment wallets play an important role in the modern financial world, especially
in the context of digital and cryptocurrencies. These tools allow users to securely
store, send and receive money, providing convenience and accessibility.
There are several types of payment wallets: traditional bank wallets, mobile
apps, online wallets, and cryptocurrency wallets. Traditional wallets are linked to bank
accounts and can be used for regular transactions. Mobile apps like Apple Pay or
Google Wallet offer the ability to pay with a smartphone, making it convenient for
users on the go.
Online wallets like PayPal provide the ability to send and receive money online.
They are often used for online shopping and offer buyer protection. Cryptocurrency
wallets, in turn, are designed to work with digital currencies. They come in hot (online)
and cold (offline) varieties and provide different levels of security.
Figure 8.The income received for the services of payment settlement
organizations in RA, 2018-2023, ( AMD) (TelCell, EasyPay, MobiDram, Idram
annual report)
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In the chart, we can see that in 2018-2022, the leader in terms of revenue is
Tell-Cell, followed by Idram, and in 2023, Idram's revenue was 10 billion 56 million
350,000 drams, which is 2.1% more than Tell-Cell's revenue compared to the previous
year. who
One of the main advantages of payment wallets is their ability to simplify the
payment process. Many wallets allow you to save card data, which makes
transactions faster and more convenient. However, it is important to remember about
safety. Choosing a secure wallet and taking precautions like two-factor authentication
can greatly reduce the risk of fraud.
As a result, payment wallets are becoming an integral part of our financial lives,
offering convenience, security and access to modern financial technology.
Now let's talk about electronic banking. E-banking or online banking has
become an integral part of the modern financial system, providing users with the
convenience of accessing banking services through the Internet. This allows
customers to manage their finances anytime, anywhere, using computers or mobile
devices.
The essence of electronic banking is the ability to carry out various financial
transactions without the need to visit a bank branch. Users can check balances,
transfer money, pay bills, order statements and even apply for loans, all in real time.
These features greatly simplify financial management and save time.
One of the main advantages of electronic banking is convenience. Customers
can transact 24/7, which is especially important for people with busy schedules. In
addition, online banking often offers lower fees compared to traditional banking
services.
Security is also a key aspect of e-banking. Banks use various technologies such
as encryption and two-factor authentication to protect customer data. However, users
should be vigilant and ensure the security of their accounts by avoiding suspicious
links and protecting their passwords.
However, electronic banking also has its drawbacks. For example, the lack of
face-to-face contact with a bank employee may be uncomfortable for some customers,
especially with complex financial issues. There are also risks associated with cyber
threats that can affect the security of funds.
In general, electronic banking is a modern and convenient solution for financial
management that opens up new opportunities for users, but it also requires care and
caution.
Within the framework of the topic of automated payment systems, we also
referred to the concept of "Direct debit" in the article. Direct debit is a convenient
financial tool that allows you to automate the regular payment process. It is especially
popular for utilities, rent, loans, and subscriptions to various services. A direct debit
payer allows his bank to withdraw a certain amount from his account within a certain
period of time.
The advantages of direct debit are that it is convenient and secure. The
customer does not need to worry about paying the bills on time as the debiting
happens automatically. This helps avoid delays and penalties. Additionally, users can
easily manage their payments by setting or changing debit amounts and dates.
Another important aspect of direct debit is security. Banks offer customer
protection, allowing them to easily cancel transactions or charges in the event of a
mistake. This creates an additional level of trust for users.
However, despite its many advantages, Direct debit has both advantages and
disadvantages. Customers should monitor their balance to avoid situations where the
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account does not have sufficient funds for a debit. It is also important to carefully
review the terms of contracts with service providers to avoid unexpected charges.
Direct debit is becoming especially relevant in the modern world, where
automation and simplification of financial processes play an important role. It makes
life easier for many, allowing them to focus on more important matters, leaving the
worries of making regular payments to the bank.
In conclusion, Direct debit is an effective and convenient tool for managing
regular expenses, which offers many advantages to customers, but requires caution
and attention.
Conclusions
Thus, summarizing, it can be concluded that there is no legal regulation of the
organization and management of automated circulation systems in RA, which makes
the development prospects of the sector quite targetable. In particular, the
development of the IT sector, the variety of types and services of automated payment
systems need the development of universal security mechanisms of operations, which
will significantly reduce possible risks, excluding the development of virtual crimes.
The lack of law actually leads to an increase in the shadow economy as well.
Automation of banking processes implies a large amount of investment, which is not
always affordable for RA banks. In the banking sector, large banks can acquire and
use modern technology, while for smaller companies this is a serious challenge. It
turns out that over time, big banks can become more competitive, pushing smaller
players out of the market.
One of the problems in the sector is that the transition to automated processes
in the bank complicates the access to financial services for less advanced customers
and the elderly. This issue is also a serious challenge in terms of attracting new
customers. The situation is similar when using automated banking. Currently, the use
of most of the technologies is more difficult for the consumer to access than the actual
ATM software, for this reason, banks should program their online services using the
simplest technologies, making the service available to customers. Basically, the use of
automated payment systems should be of most interest to the elderly due to mobility
and other difficulties, but this target group has not yet fully adapted to using
technological services and in some cases lacks confidence.
Based on these issues, we have developed several recommendations. thus,
because some groups of the RA population are difficult to adapt to the latest
technologies, therefore, it negatively affects the process of rapid use of these
technologies, as a result of which payments are actually less. Taking these
considerations into account, we suggest that banks regularly carry out monitoring to
identify two target segments of the population: the first is the segment that is actively
able to use automated payment systems, for that target we suggest that banks use
promotional tools to develop the ability to use automated payment systems. The
second is the segment that finds it difficult to adapt to the latest services, cannot apply
technological means, so it is necessary to regularly organize practical courses for that
segment, thus ensuring a high level of awareness. We think that in this context,
awareness is an important factor and can attract new customers, so coordinated
measures should be taken in this direction, both in the form of state programs and in
the form of social videos, flyers, and informative announcements initiated by private
banks.
In order to combat fraud in automated innovative payment systems in Armenia,
we suggest using an integrated approach. First, it is necessary to improve security
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technologies by using modern methods of data encryption and introducing multi-factor
authentication. This will provide an additional level of protection for users' personal
data.
Modern data encryption and multi-factor authentication methods play a key role
in ensuring information security and protecting users of the digital platform. Encryption
is the process of converting information into an unreadable form using special
algorithms, thereby protecting data privacy and preventing unauthorized access.
Data encryption protects information such as financial transactions and
personal information, making it inaccessible to attackers.
Multi-factor authentication is a user authentication method that requires
providing multiple forms of authentication before granting access to a system or data.
This can include something the user knows, such as the password, as well as
something they have, such as a mobile device, to receive a one-time code. Biometric
devices such as fingerprints or facial recognition may also be used. Multi-factor
authentication greatly improves security because even if an attacker has access to the
password, they still have to go through additional layers of verification.
Transaction monitoring and analysis also play an important role. We propose to
create special departments in universities related to machine learning systems, where
students will learn mastery of security systems and detection of anomalous
transactions in real time, analysis of big data, identification of fraud patterns. We also
propose to conduct similar courses within the framework of bank employees and train
special specialists.
We suggest banks to cooperate closely with law enforcement agencies. This
cooperation will contribute to the effective fight against counterfeiting. Sharing
information between financial institutions and law enforcement agencies, as well as
participating in joint investigations, will help identify and arrest fraudsters more quickly.
We suggest to RA banks and organizations using automated payment systems
(I-Dram, Tell-Cell, etc.) to introduce blockchain technologies, which will allow to
assess the level of protection and ensure compliance with the established
requirements. In addition, the implementation of blockchain technologies will increase
the transparency of transactions and reduce the risks of fraud.
First, the integration of blockchain technologies will significantly improve the
security of transactions. By decentralizing data storage, blockchain reduces the risks
of fraud and unauthorized access. This will create an additional level of trust for users.
Second, blockchain allows for transparency of all operations. Every transaction
is recorded on the blockchain, making it verifiable and eliminating the possibility of
data manipulation. This is particularly important to ensure compliance with regulatory
requirements.
The technology also helps reduce transaction processing times, especially
international ones, by eliminating the need for middlemen. This not only speeds up
processes, but also reduces transaction costs, which is an important factor for banks
and their customers.
Banks should invest in employee training and infrastructure development for
blockchain integration, and consider partnering with fintech companies that already
have expertise in this technology. This will speed up the implementation process and
maximize the benefits of blockchain.
We propose to create ecosystems in this area. An ecosystem, in the context of
business and technology, is a network of interconnected participants working together
to achieve a common goal. In the field of financial technology and automated payment
systems, it includes various elements such as service providers, users, developers,
regulators and partners. Service providers, including banks and clearinghouses,
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communicate with both natural and legal entity users who use payment systems for
their transactions. Developers create applications and technologies that integrate with
these systems, while regulators set rules and standards that protect users and ensure
secure transactions. Ecosystem partners such as e-commerce platforms drive the
adoption and use of payment technologies.
Creating an effective ecosystem in Armenia will improve interaction between all
participants, promote innovation and ensure sustainable development. It will also help
Armenia's financial institutions adapt to market changes and respond to challenges
such as counterfeiting and changing consumer preferences. The formation of such an
ecosystem in Armenia may include the development of local standards, user training,
support for fintech startups, and active cooperation with international players to share
experience and technology.
The joint implementation of all these measures will significantly increase the
level of user protection and reduce the likelihood of fraudulent operations in payment
systems.
REFERENCES
1. Central
Bank
of
Armenia.
Reports,
2018-2023.
https://www.cba.am/am/sitepages/fmcpublicannual.aspx, 01.09.2024.
2. Union of Banks of Armenia. Accounts, Payment Cards, and Transfers. 2023.
https://uba.am/upload/bankain_hamakarg_tverov/2023/Armenian_Banking_System_In
_Figures_30.06.2023.pdf. Accessed: 10.09.2024.
3. “Skolkovo Names the Most Innovative Banks in Russia for 2022”. Sk, 2023,
https://sk.ru/news/v-skolkovo-nazvali-samye-innovacionnye-banki-rossii-2022goda/. Accessed: 30.08.2024.
4. “ATM
numbers
in
Europe
from
2005
to
2021”.
Statista,
https://www.statista.com/statistics/419553/atms-europe/. Accessed: 01.09.2024.
5. “Number of cryptocurrencies worldwide from 2013 to September 2024”.
Statista,
2024,
https://www.statista.com/statistics/863917/number-crypto-coinstokens/. Accessed: 11.10.2024.
6. CoinMarketCap, https://coinmarketcap.com/, 11.10.2024
7. TelCell annual report, https://telcell.am/hy/, 11.10.2024
8. Easypay annual report, https://www.easypay.am/, 11.10.2024
9. MobiDram annual report, https://mobidram.viva.am/, 11.10.2024
10. iDram annual report, https://www.idram.am/ 11.10.2024
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ԱՎՏՈՄԱՏԱՑՎԱԾ ՆՈՐԱՐԱՐԱԿԱՆ ՎՃԱՐԱՅԻՆ ՀԱՄԱԿԱՐԳԵՐԻ
ՀԻՄՆԱԿԱՆ ՏԵՍԱԿՆԵՐԸ ԵՎ ԴՐԱՆՑ ԴԵՐԸ ԲԱՆԿԱՅԻՆ
ՀԱՄԱԿԱՐԳՈՒՄ
ԻՆԵՍԱ ՆՈՒՇԻԿՅԱՆ
Հայաստանի պետական տնտեսագիտական համալսարանի
ֆինանսական ֆակուլտետի բանկային գործի և
ապահովագրության ամբիոնի հայցորդ,
«Ամերիաբանկ» ՓԲԸ-ի գործադիր տնօրինության գրասենյակի
փաստաթղթաշրջանառության կառավարման մասնագետ,
ք.Երևան, Հայաստանի Հանրապետություն
Հոդվածի հիմնական նպատակն է ուսումնասիրել ավտոմատացված
վճարային համակարգերի հիմնական տեսակները, դրանց կիրառումը, կատարվող
գործարքները և հետագա զարգացման փուլերը բանկային հատվածում։
Նպատակին հասնելու համար մեր առջև դրվեցին հետևյալ խնդիրները՝
ուսումնասիրել բանկում ավտոմատացված գործընթացների իրականացման
գործընթացը, հասկանալ հիմնական թիրախային խմբերը և դրանք հաշվի
առնելով՝ մշակել միջոցներ ավտոմատացված վճարային համակարգերի
օգտագործման հնարավորություններն ընդլայնելու համար։
Ավտոմատացված վճարային համակարգերի հիմնական տեսակների
և
բանկային համակարգում դրանց դերի ուսումնասիրության համար կիրառվել են
ներքոբերյալ
ուսումնասիրության
մեթոդները՝
դեդուկցիա,
ինդուկցիա,
վերլուծութուն և գրաֆիկական։
Հետազոտության հիմնական եզրահանգումն այն է, որ հիմք ընդունելով
արտաքին միջավայրի բազմաբևեռ բնույթն ու բարձր մրցակցությունը` կարծում
ենք` բանկերը պետք է մշտադիտարկեն բանկային ծառայությունների ոլորտում
փոփոխությունները, օգտագործեն ավտոմատացված գործիքները, ինչը կարող է
իր նպաստը բերել բանկային համակարգի արդյունավետ ու կայուն զարգացմանը:
Ավտոմատացված վճարային համակարգերի կայուն զարգացումը ժամանակի
ընթացքում կարող է նպաստել տնտեսական կայունությանը, բարձրացնել
հաճախորդների
մեդիագրագիտությունն
ու
ֆինանսատնտեսական
կարողունակության մակարդակը: Այս կերպ հեռանկարներ են ուրվագծվում
բանկային ռեսուրսի արդիականացման համար, ինչը կարող է հավելյալ
ֆինանսական միջոցների ներգրավման համար հիմք դառնալ:
Հիմնաբառեր՝ ավտոմատացում, նորարարություն, բանկային համակարգ,
վճարային համակարգ, քարտային գործարքներ, բանկոմատ, գործարք։
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ԳԻՏԱԿԱՆ ԱՐՑԱԽ
SCIENTIFIC ARTSAKH
НАУЧНЫЙ АРЦАХ
№ 3 (22), 2024
ОСНОВНЫЕ ВИДЫ АВТОМАТИЗИРОВАННЫХ ИННОВАЦИОННЫХ
ПЛАТЕЖНЫХ СИСТЕМ И ИХ РОЛЬ В БАНКОВСКОЙ СИСТЕМЕ
ИНЕСА НУШИКЯН
соискатель кафедры банковского дела и страхования
финансового факультета
Армянского Государственного экономического университета,
специалист службы управления документооборотом
Исполнительного офиса ЗАО «Америабанк»,
г. Ереван, Республика Армения
Основная
цель
статьи
–
исследование
основных
типов
автоматизированных платежных систем, их применения, операций и
дальнейших этапов развития в банковской сфере.
Для достижения цели перед нами были поставлены следующие задачи:
изучить процесс внедрения автоматизированных процессов в банке, выделить
основные целевые группы и на основе этого разработать меры по расширению
возможностей использования автоматизированных платежных систем.
Для изучения основных типов автоматизированных платежных систем и их
роли в банковской системе были использованы следующие методы
исследования: метод дедукции, метод индукции, метод анализа и литературный
метод.
Основной вывод исследования заключается в том, что, исходя из
многополярности внешней среды и высокой конкуренции, мы считаем, что банки
должны постоянно отслеживать изменения в сфере банковских услуг,
использовать автоматизированные инструменты, которые могут способствовать
эффективному и устойчивому развитию экономики. Устойчивое развитие
автоматизированных платежных систем с течением времени может
способствовать экономической стабильности, повышению медиаграмотности
клиентов и уровня их финансовых и экономических возможностей. Таким
образом, намечаются перспективы модернизации банковских ресурсов, которые
могут послужить основой для привлечения дополнительных финансовых
ресурсов.
Ключевые слова: автоматизация, инновации, банковская система,
платежная система, карточные операции, банкомат, транзакция․
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