On the Payment Infrastructure in the Context of Payment Industry Spatial Development

The article discusses the development of payment infrastructure as a necessary component of ensuring the formation of a modern payment industry in the context of the impact on increasing the availability of financial services as a factor in the spatial development of Russia. The authors of the article present the main stages of the formation of the national payment system, describe the payment infrastructure and its spatial development. The indicators of the payment system infrastructure for the federal districts of Russia were evaluated based on the data of the Central Bank. The concentration of payment infrastructure objects has shown that in Russia there is an uneven distribution of payment infrastructure objects, and, consequently, their low availability to the population and organizations. Based on the same data, structural changes in the payment system infrastructure indicators are calculated using the Kazinets absolute structural shift coefficient, the coefficients of V. M. Ryabtsev, K. Gatev and A. Salai. The result of the calculation showed that in Russia there is a significant level of differences in structures, which indicates a change in the quantitative indicators of the characteristics of the payment system infrastructure for the analyzed period. The coefficient of uniformity of the characteristics of the payment system infrastructure, made it clear that there are regions of Russia in which there is an uneven distribution of access points for payment services. This study revealed the problems of spatial development of the payment infrastructure, which hinder the development of the national payment system and the availability of financial payment services. The perspective directions of development of the payment infrastructure are defined, taking into account the influence of global and local processes. Keywords—spatial development, payment industry, financial inclusion, payment system, fast payments, payment system infrastructure.