NON-CURRENT SETTLEMENTS IN THE MODERN ECONOMIC SPACE
The paper considers the development of a system of cashless payments in Russia, as well as in the regional context, using the example of the regions of the Central Black Earth Region and Voronezh Region over the past two years. The concept of non-cash payments and the main advantages of their use (flexibility of payments, transparency of all payments, exclusion of counterfeit banknotes, reduction of costs of economic entities for storage and collection of cash, etc.) are designated. Based on the research data of the SberData project from Sberbank, a comparison is made of regional and average statistics of the country, the level of penetration of cashless payments into the settlement system in 2018-2019 is determined. both at the end of the year and quarterly. It is noted that over 10 years the share of card payments has grown 10 times. Due to the expansion of the spread of non-cash payments and their demand, the share of cash use when paying for most goods and services is less than 50%. Categories were identified in which the population prefers banknotes more and the reasons for choosing this method of payment are determined. The differences between the regions by the percentage of citizens using cashless payments are analyzed. As a result of the analysis, tendencies in the development of cashless payments in the Central Black Earth Region were identified.