Problem solving payment innovations in the digital economy

摘要

In order to ensure the national sovereignty of Russia and equalize the development of the regions, it is necessary to form a digital economy model and o organize its diffusion into all spheres of Russian society life. Assessment of the national payment system and its regional entities current state has shown that they are able to become the drivers for the introduction, transmission and dissemination of digital innovations. The article outlines the tasks of national payment system and regional subjects of the payment market digital innovation. To solve these tasks, a general algorithm for creating a digital financial ecosystem that unites markets and sectors of the economy on the basis of innovative platforms and technologies of payment systems and payment services is proposed. The proposed directions realize the main tasks of the digital economy for the national payment system and its regional elements, their implementation will promote the accessibility of payment services and the growth of financial and digital literacy through the development of a knowledge society based on innovative digital technologies.