АНАЛІЗ БАНКІВСЬКИХ ПОСЛУГ:ВИБІР СПОСОБІВ ОПЛАТИ ДЛЯ ЗДІЙСНЕННЯ ПЛАТЕЖІВ

The financial market conditions are constantly changing, as new technologies, regulatory requirements and customer needs emerge. Therefore, choosing the optimal payment method becomes important for effective financial management for both individuals and businesses. The modern banking market offers a wide range of payment methods, allowing customers to choose the most convenient and profitable options for making payments. The choice of the optimal method depends on a number of factors, such as transaction speed, fees, security, availability and individual user needs. It is important to analyze the conditions of banks and use modern tools for effective financial management. The current issue is the study of the analysis of banking services with a choice of payment methods for making payments as a component of the mechanism of effective banking activities. Various research methods are used to analyze theoretical and practical tasks related to the analysis of banking services with a choice of payment methods for making payments. Analysis of literary sources and official data of banks, comparative analysis of tariffs, commissions and functionality of various payment systems, user surveys regarding their preferences in choosing payment methods, SWOT analysis of individual payment methods. This allows for a comprehensive approach to studying the issue, assessing various aspects of banking services with a choice of payment methods for making payments and their impact on the efficiency and competitiveness of banking activities. The main methods used in this area are theoretical research methods, such as analysis and synthesis, which is used to decompose a problem into its component parts and combine them into a single whole, systematization of knowledge about modern payment methods, determination of the most effective payment instruments for various usage scenarios, recommendations for customers to minimize costs and increase payment security.