Current status and development prospects of mobile payment systems
The article is devoted to the study of the development of mobile payment systems. It is clarified that mobile payment systems are combined under the leadership of a new functional area related to the use of contactless payment technologies, the use of payments and transfers via QR codes, and provide extensive benefits for both users and businesses. The possibilities, advantages, and risks of using mobile payment systems are described, and it is emphasized that all previously identified problems of their use are somehow resolved as a result of the active development of financial technologies. In the example of the Russian market of mobile payment systems, some development trends are identified, among which are: withdrawal from the market of foreign services and applications, their import substitution with domestic services and infrastructure; entering the market of new services and start-up projects for the preparation of complex and more advanced mobile payment systems; a decrease in the number of transactions carried out through contactless payment with a parallel increase in the interest of citizens in such systems. Based on the results of the study, technical, economic, and user prospects for the development of mobile payment systems are identified.