IX Международная студенческая научная конференция Студенческий научный форум - 2017

In modern conditions of development of the Russian economy the banking sector is an important part of national finance. Russian commercial banks today offer a wide range of banking services to customers.

In the past few decades, there is a development trend of non-cash payment method, because this has a great economic importance. Payments made without cash, accelerate the turnover, reduce the amount of money needed to handle, resulting in lower distribution costs and increase the transparency of the calculations.

Therefore, this study is actual.

As one of the main instruments of cashless payments, plastic card has specific physical characteristics, and has a variety of functions and technical capabilities.

To date, the scope of use of plastic cards in the world has reached a rather impressive size. For example, the share of non-cash transactions in Europe is more than 90% of the total number of all monetary transactions. While in Russia, the indicator 2014 is not more than 15%. However, in Russia the rate of growth of non-cash payments is high.

Russian commercial banks today offer a wide range of card products targeted at consumers with different levels of income and social status. There are some categories of cards that determine the status of its holder. The higher the status, the more features and additional bonuses you will have.

However, despite the rapid development of plastic cards market and the stable growth rate of their use bankcards in Russia have not yet become a real cashless payments method. The payroll card program is the easiest distribution method of payment cards for the bank.

This payment method of salary is very convenient for companies. It allows reducing salary payments costs due to savings connected with the implementation of cash operations, custody and transportation of cash monetary assets. The salary project for any enterprise is an effective way of formalization of relations between employer and worker at calculations on wages.

This method of payment also has a number of advantages for the employee. Employees are able to get their salaries from numerous ATMs in the country at any time without being incurred any additional expenses. Employees of the company may use their international plastic cards and extract their salaries in any country of the world. They will be able to make payment for public services by the help of salary cards.

Besides plastic cards can combine the features of a deposit and debit card with additional opportunities. Using this card the holder has a chance to make purchases all over the world and benefit extra income from his own funds.

Carried out analysis suggests following opportunities for cardholder:

• Cash withdrawal at ATMs;

• payment for goods and services online;

• reservation of hotels and airline tickets on-line;

• simplified declaration and the exchange of cash when traveling abroad;

• operation control using a plastic card;

• Ensuring the safety of cash in case of loss or theft of the card;

• participate in bonus programs and discounts.

Some of the drawbacks or risk related to cards are:

• Non-Acceptance at Small Retail Outlets;

• Loss & Misuse;

• Service Charges (In some cases the outlets charge additional service charges for cards);

• Damage to Card;

• Spending Habits & Other Tips (Whether you use cash or cards, having a control on your spending is very important).

To solve such problems of cards using some measures could be proposed:

• promotion of cards as a payment method with the help of a marketing policy;

• expansion of bonus programs based on the needs of potential customers;

• service availability of merchant acquiring services to small businesses.

Sum up, it may be said that despite a number of problems and difficulties, the market of plastic cards in Russia today is developing quite intensively, and has shown great promise.

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