INSTITUTIONAL TRANSFORMATIONS OF THE NATIONAL PAYMENT INFRASTRUCTURE IN THE CONDITIONS OF DIGITALIZATION OF THE ECONOMY

Анотація

Based on the results of the study, it was established that the digitalization of the economy is a key factor in the institutional transformation of the national payment infrastructure, as it leads to a change in the forms of payment relations, an expansion of the spectrum of payment instruments, and a transformation of the role of traditional financial institutions. The paper substantiates that institutional changes in the payment infrastructure are manifested in the development of the regulatory environment, strengthening of the functions of supervision and oversight, as well as in the formation of new models of interaction between banking and non-banking payment service providers. It has been proven that the regulatory and legal support of payment systems in Ukraine plays a system-forming role in the processes of digital transformation, providing legal conditions for the development of electronic payments, protection of consumer rights, and continuity of payment operations in the face of crisis challenges. It was concluded that the further development of the national payment infrastructure requires a comprehensive approach that combines technological innovations, effective regulatory support and strengthening the institutional capacity of payment market entities in order to adapt to the conditions of the digital economy.

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