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Analysis and efficiency of modern payment systems and directions for improvement of payment systems in the financial market of Ukraine
(Причорноморські економічні студії, 2031) Aleskerova Yu.; Fedoryshynа L.
The article presents an analysis of modern payment systems and assesses their efficiency in the context of Ukraine’s financial market. It examines the classification of payment systems, their key components, and legal regulation, particularly the role of the National Bank of Ukraine in setting standards and ensuring transaction security. The state and development dynamics of both national and international payment systems are analysed, including Visa, MasterCard, “PROSTIR”, and others, as well as the impact of digitalization and innovative technologies, such as contactless payments, cryptocurrencies, stablecoins, and central bank digital currencies (CBDC). Special attention is given to the prospects of using smart contracts in banking transfers, their advantages, and the stages of implementation. Based on the research findings, directions for improving payment systems in the context of the digital transformation of the economy are identified, which involve a combination of technological innovations, clear legal regulation, and a high level of cybersecurity