Оцінка тенденцій розвитку безготівкових операцій в умовах модернізації платіжних систем

The article is devoted to identifying and assessing trends in the development of non-cash transactions in the context of the modernization of payment systems and the development of payment infrastructure. The author determined that in non-cash payments, the payment system, on the one hand, plays the role of an intermediary between the user and the product (service), acting as a technological platform for protecting personal data of customers. On the other hand, banks are an intermediary between the payer (sender of funds) and the supplier (recipient of funds). To determine the trends in the development of non-cash transactions carried out in payment systems, the article examined the following indicators: the dynamics of the development of the payment infrastructure and payment systems; the structure and dynamics of non-cash transactions (including those carried out using payment cards); trends in the ratio of cash and non-cash transactions (by amounts and number of transactions); assessment of the impact of the volume of non-cash payments on the level of real GDP. The analysis of trends in the development of non-cash transactions in modern conditions and the statistical analysis aimed at identifying the importance of such transactions for GDP growth and improving financial processes in Ukraine allow us to draw the following conclusions: 1) despite the challenges of a full-scale war, which cause uncertainty about the impact of external factors on the financial system as a whole and the level of ensuring the financial security of commercial banks, in particular, we observe an increase in the number and volume of non-cash transactions, the development of the payment card market and payment infrastructure; 2) the introduction of digital information technologies and the integration of the Ukrainian banking system into the European and global financial space are prerequisites for improving the quality of settlement transactions. At the same time, the increase in the volume of non-cash payments against the background of existing external threats requires additional ensuring the financial security of the banking system; 3) the growth of non-cash transactions will contribute to GDP growth, which has a positive impact on the economy and increases the level of efficiency of financial processes by reducing the costs of processing cash transactions; 4) the formed payment infrastructure of Ukraine allows for uninterrupted servicing of settlement transactions, including those using payment cards. The trend of increasing the number of contactless active payment cards and tokenized cards (NFC technology) continues. The prospects for further scientific developments should be linked to the study of the impact of modernization of payment systems on the level of ensuring the financial security of the banking system through the identification of threats and risks.