Characteristic features of the market of bank cards in Russia
The main task of the state to ensure the development of the bank card market is to improve the payment infrastructure. Currently, banks must constantly find new models for using bank cards to attract customers. The aim of the study is to analyze the characteristic features of the development of the bank card market in Russia. The main types of plastic bank cards are described and the problem of cybercrimes is analyzed. The negative influence on the development of the bank card market of complexity, weak dissemination of information and a limited number of partners of the proposed programs is shown. The article discusses the main advantages and disadvantages of bank cards. The authors emphasize that recently the number of virtual bank cards has been growing, while the number of plastic cards has been significantly reduced. The study substantiates the need to: continue and increase the use of modified bank cards (co-branded, profitable, credit with a grace period, etc.); completion of the stage of implementation of «salary projects» in the maximum possible number of Russian companies; development of the field of modified maps, while introducing innovative types; strengthening citizens’ confidence in bank cards; conducting clarifications on methods of combating fraud.